Asset Quality Score
Bankrate uses this test to determine the impact of troubled assets, such as unpaid mortgages, on the credit union's capitalization and allocated loan loss reserves.
Having a large number of these kinds of assets means a credit union could eventually have to use capital to absorb losses, diminishing its equity cushion. 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 future failure.
MUNCIE POST OFFICE scored above the national average of 38.09 on Bankrate's asset quality test, racking up 40 out of a possible 40 points .