Asset Quality Score
In this test, Bankrate tries to estimate the impact of troubled assets, such as unpaid loans, on the credit union's capitalization and allocated loan loss reserves.
A credit union with large numbers of these kinds of assets could eventually be required to use capital to absorb losses, diminishing its equity buffer. It also means that there are likely to be many assets that are in non-accrual status and no longer earning interest for the credit union, pushing down earnings and increasing the chances of a failure in the future.
On Bankrate's test of asset quality, MSBA EMPLOYEES scored 8 out of a possible 40 points, less than the national average of 38.09 points.
MSBA EMPLOYEES's ratio of problem assets was 1.00 percent in our test, identical to the national average.