Asset Quality Score
Bankrate uses this test to estimate the effect of problem assets, such as past-due loans, on the credit union's reserves set aside to cover loan losses, as well as overall capitalization.
A credit union with extensive holdings of these types of assets could eventually have to use capital to absorb losses, decreasing its equity buffer. It also means that there are likely to be many assets that are in non-accrual status and thus aren't earning money, pushing down earnings and elevating the chances of a future failure.
On Bankrate's test of asset quality, MESSIAH BAPTIST-JUBILEE scored 40 out of a possible 40 points, beating the national average of 38.09 points.