Asset Quality Score
In this test, Bankrate tries to estimate the effect of problem assets, such as unpaid loans, on the credit union's loan loss reserves and overall capitalization.
Having a large number of these types of assets means a credit union could eventually have to use capital to absorb losses, reducing its buffer of equity. It also means that there are likely to be many assets that are in non-accrual status and no longer earning interest for the credit union, resulting in depressed earnings and potentially more risk of a future failure.
On Bankrate's asset quality test, ICI AMERICA scored 40 out of a possible 40 points, above the national average of 38.15 points.
ICI AMERICA's ratio of problem assets was 7.00 percent in our test, the same as the national average.