Asset Quality Score
In this test, Bankrate tries to estimate the effect of problem assets, such as unpaid loans, on the credit union's capitalization and allocated loan loss reserves.
Having large numbers of these types of assets may eventually require a credit union to use capital to absorb losses, cutting down on its equity buffer. Many of those assets are also likely to be in non-accrual status and thus aren't earning money, reducing earnings and increasing the risk of a future failure.
On Bankrate's asset quality test, MIDWESTERN STATE UNIVERSITY scored 40 out of a possible 40 points, exceeding the national average of 38.09 points.