Asset Quality Score
In this test, Bankrate tries to estimate the impact of problem assets, such as unpaid loans, on the credit union's reserves set aside to cover loan losses, as well as overall capitalization.
A credit union with a large number of these kinds of assets could eventually be required to use capital to absorb losses, decreasing its buffer of equity. Many of those assets are also likely to be in non-accrual status and no longer earning interest for the credit union, reducing earnings and elevating the chances of a failure in the future.
On Bankrate's asset quality test, ONE VISION scored 40 out of a possible 40 points, above the national average of 38.09 points.
Troubled assets made up 0.00 percent of ONE VISION's total assets in our test, below the national average and potentially indicative of greater financial strength than other credit unions.