Asset Quality Score
In this test, Bankrate tries to estimate the impact of troubled 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 suggests a credit union could eventually have to use capital to absorb losses, shrinking 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 money, decreasing earnings and increasing the risk of a future failure.
On Bankrate's test of asset quality, IDAHO UNITED scored 36 out of a possible 40 points, falling short of the national average of 38.09 points.
Troubled assets made up 0.00 percent of IDAHO UNITED's total assets in our test, lower than the national average and suggestive of superior financial strength compared to other credit unions.