Asset Quality Score
In this test, Bankrate tries to estimate the effect of troubled assets, such as unpaid loans, on the credit union's loan loss reserves and overall capitalization.
A credit union with large numbers of these kinds of assets could eventually have to use capital to cover losses, reducing its equity cushion. Many of those assets are also likely to be in non-accrual status and no longer earning interest for the credit union, resulting in reduced earnings and potentially more risk of a future failure.
On Bankrate's asset quality test, HALE COUNTY TEACHERS scored 40 out of a possible 40 points, above the national average of 38.09 points.
Troubled assets made up 0.00 percent of HALE COUNTY TEACHERS's total assets in our test, beneath the national average and potentially indicative of superior financial strength compared to other credit unions.