Asset Quality Score
In this test, Bankrate tries to determine the impact of troubled assets, such as unpaid mortgages, on the credit union's loan loss reserves and overall capitalization.
Having large numbers of these types of assets may eventually force a credit union to use capital to cover losses, shrinking its cushion of equity. Many of those assets are also likely to be in non-accrual status and no longer earning money, resulting in reduced earnings and potentially more risk of a future failure.
On Bankrate's asset quality test, VALLEY CATHOLIC scored 28 out of a possible 40 points, coming in below the national average of 38.09 points.
Troubled assets made up 0.00 percent of VALLEY CATHOLIC's total assets in our test, less than the national average and potentially indicative of superior financial strength compared to other credit unions.