Asset Quality Score
In this test, Bankrate tries to estimate the effect of problem assets, such as unpaid loans, on the credit union's loan loss reserves and overall capitalization.
A credit union with large numbers of these kinds of assets may eventually be forced to use capital to cover losses, decreasing its equity cushion. Many of those assets are also likely to be in non-accrual status and thus aren't earning interest for the credit union, pushing down earnings and elevating the chances of a failure in the future.
SIU scored 36 out of a possible 40 points on Bankrate's asset quality test, failing to reach the national average of 38.09.
Troubled assets made up 0.00 percent of SIU's total assets in our test, lower than the national average and suggestive of superior financial strength compared to other credit unions.