Asset Quality Score
Bankrate uses this test to estimate the impact of problem assets, such as unpaid loans, on the credit union's loan loss reserves and overall capitalization.
A credit union with extensive holdings of these kinds of assets could eventually be required to use capital to absorb losses, shrinking its equity cushion. Many of those assets are also likely to be in non-accrual status and thus aren't earning money, pushing down earnings and increasing the risk of a future failure.
UNITED scored 36 out of a possible 40 points on Bankrate's asset quality test, lower than the national average of 38.09.
UNITED's ratio of problem assets was 0.00 percent in our test, below the national average and suggestive of greater financial strength than other credit unions.