Asset Quality Score
In this test, Bankrate tries to estimate the impact of problem assets, such as past-due mortgages, on the credit union's loan loss reserves and overall capitalization.
A credit union with lots of these kinds of assets may eventually be required to use capital to absorb losses, cutting down on its cushion of equity. It also means that there are likely to be many assets that are in non-accrual status and thus aren't earning money, diminishing earnings and elevating the risk of a future failure.
On Bankrate's test of asset quality, KLAMATH PUBLIC EMPLOYEES scored 40 out of a possible 40 points, beating out the national average of 38.09 points.
Troubled assets made up 0.00 percent of KLAMATH PUBLIC EMPLOYEES's total assets in our test, lower than the national average and suggestive of superior financial strength compared to other credit unions.