This study aims to analyze the effect of Credit Distribution, Third Parties Funds (TPF), and capital on measured vulnerabilities using assets in Indonesia during the 1998 Monetary Crisis. This study uses secondary data in the form of time series, the time period of this study is limited monthly from January 1997 - December 1999. The method used in this study is Ordinary Least Square (OLS) on program Eviews 7. The results of the study indicate that the variable credit distribution has a positive and significant effect on assets. TPF has a positive and significant effect on assets. While capital has a significant and significant effect on assets in rural development banks in Indonesia. The results of the study show that the overall variables have a significant effect on assets in rural development banks with the value of all probabilities smaller than 0.05. Based on the results of this study, there not found variable that could be the source of the emergence of vulnerability.