Asset Quality Score
In this test, Bankrate tries to estimate the effect of troubled assets, such as past-due mortgages, on the credit union's capitalization and allocated loan loss reserves.
Having a large number of these kinds of assets suggests a credit union may eventually have to use capital to cover losses, decreasing its equity cushion. Many of those assets are also likely to be in non-accrual status and no longer earning money, decreasing earnings and elevating the risk of a future failure.
ST FRANCIS scored 40 out of a possible 40 points on Bankrate's asset quality test, above the national average of 38.09.
Troubled assets made up 0.00 percent of ST FRANCIS's total assets in our test, beneath the national average and potentially indicative of greater financial strength than other credit unions.