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 reserves set aside to cover loan losses, as well as overall capitalization.
A credit union with lots of these kinds of assets could eventually be required to use capital to absorb losses, cutting down on its cushion of equity. Many of those assets are also likely to be in non-accrual status and no longer earning interest for the credit union, resulting in lower earnings and potentially more risk of a failure in the future.
HEALTHSHARE scored 40 out of a possible 40 points on Bankrate's test of asset quality, better than the national average of 38.09.
Troubled assets made up 0.00 percent of HEALTHSHARE's total assets in our test, lower than the national average and potentially indicative of greater financial strength than other credit unions.