Asset Quality Score
This test is intended to estimate how the credit union's capitalization and allocated loan loss reserves could be affected by troubled assets, such as unpaid loans.
A credit union with a large number of these types of assets may eventually be required to use capital to absorb losses, reducing its cushion of equity. It also means that there are likely to be many assets that are in non-accrual status and thus aren't earning money, resulting in diminished earnings and potentially more risk of a future failure.
On Bankrate's asset quality test, ZION HILL BAPTIST CHURCH scored 0 out of a possible 40 points, below the national average of 38.15 points.
Troubled assets made up 119.00 percent of ZION HILL BAPTIST CHURCH's total assets in our test, exceeding the national average and a potential cause for concern.