Asset Quality Score
In this test, Bankrate tries to estimate the effect of troubled assets, such as past-due loans, on the credit union's reserves set aside to cover loan losses, as well as overall capitalization.
Having a large number of these types of assets means a credit union may eventually have to use capital to absorb losses, decreasing its buffer of equity. Many of those assets are also likely to be in non-accrual status and no longer earning money, pushing down earnings and elevating the chances of a failure in the future.
UNITED CONSUMERS finished below the national average of 38.09 on Bankrate's asset quality test, racking up 28 out of a possible 40 points .
Troubled assets made up 0.00 percent of UNITED CONSUMERS's total assets in our test, lower than the national average and suggestive of greater financial strength than other credit unions.