Asset Quality Score
In this test, Bankrate tries to determine the effect of problem assets, such as past-due loans, on the credit union's capitalization and allocated loan loss reserves.
A credit union with a large number of these kinds of assets may eventually be required to use capital to cover losses, cutting down on its equity buffer. 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 diminished earnings and potentially more risk of a failure in the future.
SCIENTIFIC RESEARCH PARTNER'S scored below the national average of 38.15 on Bankrate's asset quality test, racking up 36 out of a possible 40 points .
The credit union's ratio of troubled assets was 9.00 percent in our test, exceeding the national average and something to keep an eye on.