Asset Quality Score
Bankrate uses this test to estimate the impact of troubled assets, such as past-due loans, on the credit union's capitalization and allocated loan loss reserves.
A credit union with extensive holdings of these kinds of assets may eventually be required to use capital to absorb losses, cutting down on its equity cushion. Many of those assets are also likely to be in non-accrual status and no longer earning money, resulting in depressed earnings and potentially more risk of a future failure.
On Bankrate's asset quality test, POST COMMUNITY scored 40 out of a possible 40 points, above the national average of 38.15 points.
A lower-than-average ratio of problem assets of 6.00 percent in our test was potentially indicative of greater financial strength than other credit unions.