Asset Quality Score
In this test, Bankrate tries to estimate the effect of problem assets, such as past-due loans, on the credit union's loan loss reserves and overall capitalization.
Having large numbers of these types of assets means a credit union may eventually have 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 thus aren't earning money, resulting in depressed earnings and potentially more risk of a future failure.
On Bankrate's test of asset quality, WESTERN CONNECTICUT scored 12 out of a possible 40 points, failing to reach the national average of 38.09 points.
WESTERN CONNECTICUT's ratio of problem assets was 1.00 percent in our test, the same as the national average.