Asset Quality Score
In this test, Bankrate tries to determine the effect of problem assets, such as unpaid mortgages, on the credit union's reserves set aside to cover loan losses, as well as overall capitalization.
A credit union with lots of these kinds of assets could eventually have to use capital to absorb losses, cutting down on its equity cushion. Many of those assets are also likely to be in non-accrual status and no longer earning money, resulting in reduced earnings and potentially more risk of a future failure.
ST. ANTHONY HOSPITAL EMPLOYEE scored 32 out of a possible 40 points on Bankrate's asset quality test, lower than the national average of 38.15.
A greater-than-average ratio of troubled assets of 15.00 percent in our test was a potential cause for concern for ST. ANTHONY HOSPITAL EMPLOYEE.