Asset Quality Score
In this test, Bankrate tries to estimate the effect of troubled assets, such as past-due mortgages, on the credit union's capitalization and allocated loan loss reserves.
A credit union with a large number of these kinds of assets may eventually have to use capital to absorb losses, decreasing its equity buffer. Many of those assets are also likely to be in non-accrual status and no longer earning money, decreasing earnings and increasing the risk of a failure in the future.
MCKEESPORT CONGREGATIONAL scored 0 out of a possible 40 points on Bankrate's test of asset quality, failing to reach the national average of 38.09.
The credit union's ratio of problem assets was 1.00 percent in our test, identical to the national average.