A credit union's earnings performance has an effect on its long-term survivability. Earnings can be retained by the credit union, increasing its capital buffer, or be used to address problematic loans, likely making the credit union more resilient in tough times. However, credit unions that are losing money are less able to do those things.
On Bankrate's earnings test, BAY scored 20 out of a possible 30, beating out the national average of 10.31.
BAY had an earnings ratio of 11.00 percent in our test, above the average for all credit unions, a sign that it's doing better than its peers in this area.