Asset Quality Score
In this test, Bankrate tries to estimate the impact of troubled 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 a large number of these kinds of assets could eventually be forced to use capital to cover losses, reducing its buffer of equity. Many of those assets are also likely to be in non-accrual status and no longer earning money, resulting in diminished earnings and potentially more risk of a future failure.
TOBACCO VALLEY TEACHERS scored 40 out of a possible 40 points on Bankrate's asset quality test, exceeding the national average of 38.09.
Troubled assets made up 0.00 percent of TOBACCO VALLEY TEACHERS's total assets in our test, lower than the national average and suggestive of greater financial strength than other credit unions.