Asset Quality Score
This test's purpose is to estimate how the credit union's capitalization and allocated loan loss reserves could be affected by problem assets, such as unpaid mortgages.
A credit union with extensive holdings of these types of assets may eventually be required to use capital to absorb 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 money, pushing down earnings and elevating the risk of a future failure.
On Bankrate's test of asset quality, POSTAL EMPLOYEES scored 40 out of a possible 40 points, beating out the national average of 38.09 points.
Troubled assets made up 0.00 percent of POSTAL EMPLOYEES's total assets in our test, below the national average and suggestive of superior financial strength compared to other credit unions.