Asset Quality Score
In this test, Bankrate tries to determine the impact of problem assets, such as unpaid loans, on the credit union's loan loss reserves and overall capitalization.
A credit union with large numbers of these kinds of assets could eventually have to use capital to cover losses, cutting down on its cushion of equity. It also means that there are likely to be many assets that are in non-accrual status and thus aren't earning interest for the credit union, resulting in diminished earnings and potentially more risk of a failure in the future.
On Bankrate's asset quality test, OSU INSTITUTE OF TECHNOLOGY scored 0 out of a possible 40 points, lower than the national average of 38.15 points.
A below-average ratio of problem assets of -22.00 percent in our test was potentially indicative of greater financial strength than other credit unions.