Asset Quality Score
In this test, Bankrate tries to estimate the effect of problem assets, such as past-due loans, on the credit union's loan loss reserves and overall capitalization.
A credit union with lots of these types of assets may eventually be required to use capital to cover losses, decreasing its buffer of equity. 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 lower earnings and potentially more risk of a future failure.
On Bankrate's asset quality test, KOOTENAI VALLEY scored 32 out of a possible 40 points, less than the national average of 38.09 points.
Troubled assets made up 0.00 percent of KOOTENAI VALLEY's total assets in our test, beneath the national average and suggestive of greater financial strength than other credit unions.