Asset Quality Score
Bankrate uses this test to estimate the effect of problem assets, such as past-due loans, on the credit union's capitalization and allocated loan loss reserves.
Having large numbers of these types of assets suggests a credit union may have to use capital to absorb losses, reducing 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 lower earnings and potentially more risk of a future failure.
On Bankrate's test of asset quality, SAN FRANCISCO scored 36 out of a possible 40 points, failing to reach the national average of 38.09 points.
Troubled assets made up 0.00 percent of SAN FRANCISCO's total assets in our test, lower than the national average and potentially indicative of greater financial strength than other credit unions.