Asset Quality Score
Bankrate uses this test to estimate the effect of troubled assets, such as unpaid loans, on the credit union's capitalization and allocated loan loss reserves.
Having a large number of these types of assets could eventually require a credit union to use capital to absorb losses, reducing its equity cushion. Many of those assets are also likely to be in non-accrual status and thus aren't earning money, resulting in reduced earnings and potentially more risk of a failure in the future.
On Bankrate's test of asset quality, MOLINE MUNICIPAL scored 40 out of a possible 40 points, above the national average of 38.09 points.
Troubled assets made up 0.00 percent of MOLINE MUNICIPAL's total assets in our test, lower than the national average and suggestive of greater financial strength than other credit unions.