Asset Quality Score
In this test, Bankrate tries to estimate the effect of troubled assets, such as past-due loans, on the credit union's loan loss reserves and overall capitalization.
A credit union with a large number of these kinds of assets may eventually have to use capital to cover losses, diminishing its equity cushion. 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, resulting in diminished earnings and potentially more risk of a failure in the future.
O.M.C. EMPLOYEES' scored 40 out of a possible 40 points on Bankrate's asset quality test, exceeding the national average of 38.09.
Troubled assets made up 0.00 percent of O.M.C. EMPLOYEES''s total assets in our test, below the national average and suggestive of greater financial strength than other credit unions.