Asset Quality Score
In this test, Bankrate tries to determine the impact of troubled assets, such as unpaid loans, on the credit union's capitalization and allocated loan loss reserves.
A credit union with extensive holdings of these types of assets may eventually be required to use capital to cover losses, diminishing its equity cushion. It also means that there are likely to be many assets that are in non-accrual status and thus aren't earning money, decreasing earnings and elevating the chances of a failure in the future.
T. C. W. H. #585 fell short of the national average of 38.09 on Bankrate's asset quality test, racking up 32 out of a possible 40 points .
Troubled assets made up 0.00 percent of T. C. W. H. #585's total assets in our test, beneath the national average and suggestive of superior financial strength compared to other credit unions.