A credit union's earnings performance affects its safety and soundness. A credit union can retain its earnings, boosting its capital cushion, or use them to deal with problematic loans, likely making the credit union better prepared to withstand economic shocks. Credit unions that are losing money, however, are less able to do those things.
AFFINITY scored 16 out of a possible 30 on Bankrate's test of earnings, exceeding the national average of 10.31.
AFFINITY had an earnings ratio of 7.00 percent in our test, better than the average for all credit unions, suggesting that it's doing better than its peers in this area.