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 lots of these kinds of assets may eventually require a credit union to use capital to cover losses, diminishing its equity buffer. Many of those assets are also likely to be in non-accrual status and thus aren't earning interest for the credit union, reducing earnings and increasing the chances of a future failure.
WESTERN STATES REGIONAL scored 40 out of a possible 40 points on Bankrate's test of asset quality, beating out the national average of 38.09.
Troubled assets made up 0.00 percent of WESTERN STATES REGIONAL's total assets in our test, less than the national average and suggestive of superior financial strength compared to other credit unions.