A credit union's earnings performance has an effect on its safety and soundness. Earnings may be retained by the credit union, expanding its capital cushion, or be used to deal with problematic loans, likely making the credit union more resilient in times of trouble. Losses, on the other hand, reduce a credit union's ability to do those things.
BAY RIDGE scored 0 out of a possible 30 on Bankrate's test of earnings, falling short of the national average of 10.31.
BAY RIDGE had an earnings ratio of -26.00 percent in our test, lower than the average for all credit unions, suggesting that it's lagging behind its peers in this area.