Asset Quality Score
In this test, Bankrate tries to determine the effect of problem assets, such as past-due loans, on the credit union's capitalization and allocated loan loss reserves.
Having lots of these kinds of assets suggests a credit union could eventually have to use capital to cover losses, reducing its cushion of equity. Many of those assets are also likely to be in non-accrual status and thus aren't earning money, reducing earnings and increasing the chances of a future failure.
OPTIONS scored 40 out of a possible 40 points on Bankrate's test of asset quality, beating the national average of 38.09.
Troubled assets made up 0.00 percent of OPTIONS's total assets in our test, beneath the national average and suggestive of greater financial strength than other credit unions.