Asset Quality Score
In this test, Bankrate tries to estimate the impact of troubled assets, such as past-due loans, on the credit union's capitalization and allocated loan loss reserves.
A credit union with a large number of these kinds of assets may eventually be required to use capital to cover losses, shrinking its buffer of equity. Many of those assets are also likely to be in non-accrual status and thus aren't earning interest for the credit union, reducing earnings and increasing the chances of a future failure.
On Bankrate's asset quality test, N Y TEAM scored 0 out of a possible 40 points, coming in below the national average of 38.09 points.
N Y TEAM's ratio of problem assets was 1.00 percent in our test, the same as the national average.