A credit union's ability to earn money has an effect on its safety and soundness. A credit union can retain its earnings, expanding its capital cushion, or put them to work addressing problematic loans, likely making the credit union more resilient in times of trouble. Obviously, credit unions that are losing money have less ability to do those things.
BETHPAGE beat the national average on Bankrate's test of earnings, achieving a score of 20 out of a possible 30.
One sign that the credit union is beating its peers in this area was its earnings ratio of 11.00 percent in our test, above the average for all credit unions.