Asset Quality Score
In this test, Bankrate tries to determine the effect of problem assets, such as past-due mortgages, on the credit union's capitalization and allocated loan loss reserves.
A credit union with lots of these kinds of assets could eventually have to use capital to cover losses, decreasing its equity buffer. 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 risk of a future failure.
On Bankrate's asset quality test, PATHWAYS FINANCIAL scored 40 out of a possible 40 points, better than the national average of 38.09 points.
Troubled assets made up 0.00 percent of PATHWAYS FINANCIAL's total assets in our test, below the national average and suggestive of superior financial strength compared to other credit unions.