Asset Quality Score
Bankrate uses this test to estimate the effect of problem assets, such as unpaid mortgages, on the credit union's loan loss reserves and overall capitalization.
Having extensive holdings of these types of assets may eventually require a credit union to use capital to cover losses, cutting down on its cushion of equity. 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, decreasing earnings and increasing the risk of a failure in the future.
On Bankrate's asset quality test, SUGARDALE EMPLOYEES scored 40 out of a possible 40 points, above the national average of 38.09 points.
Troubled assets made up 0.00 percent of SUGARDALE EMPLOYEES's total assets in our test, less than the national average and potentially indicative of superior financial strength compared to other credit unions.