Asset Quality Score
In this test, Bankrate tries to estimate the impact of problem assets, such as unpaid loans, on the credit union's capitalization and allocated loan loss reserves.
Having large numbers of these types of assets may eventually require a credit union to use capital to cover losses, shrinking its equity buffer. It also means that there are likely to be many assets that are in non-accrual status and no longer earning money, resulting in diminished earnings and potentially more risk of a failure in the future.
ST. JOSEPHS HOSPITAL exceeded the national average of 38.09 on Bankrate's asset quality test, racking up 40 out of a possible 40 points .
Troubled assets made up 0.00 percent of ST. JOSEPHS HOSPITAL's total assets in our test, less than the national average and suggestive of superior financial strength compared to other credit unions.