Asset Quality Score
In this test, Bankrate tries to estimate the impact of problem assets, such as past-due loans, on the credit union's capitalization and allocated loan loss reserves.
Having large numbers of these kinds of assets could eventually require a credit union to use capital to cover losses, reducing its equity buffer. Many of those assets are also likely to be in non-accrual status and thus aren't earning interest for the credit union, resulting in reduced earnings and potentially more risk of a future failure.
HEALTHCARE FINANCIAL scored 40 out of a possible 40 points on Bankrate's asset quality test, exceeding the national average of 38.09.
Troubled assets made up 0.00 percent of HEALTHCARE FINANCIAL's total assets in our test, less than the national average and potentially indicative of superior financial strength compared to other credit unions.