Asset Quality Score
Bankrate uses this test to determine the effect of troubled assets, such as unpaid loans, on the credit union's reserves set aside to cover loan losses, as well as overall capitalization.
A credit union with a large number of these kinds of assets may eventually have to use capital to absorb losses, decreasing its buffer of equity. Many of those assets are also likely to be in non-accrual status and thus aren't earning money, resulting in depressed earnings and potentially more risk of a future failure.
On Bankrate's asset quality test, R.I.A. scored 36 out of a possible 40 points, lower than the national average of 38.09 points.
Troubled assets made up 0.00 percent of R.I.A.'s total assets in our test, lower than the national average and suggestive of greater financial strength than other credit unions.