How successful a credit union is at making money has an effect on its safety and soundness. Earnings can be retained by the credit union, expanding its capital cushion, or be used to address problematic loans, potentially making the credit union better able to withstand financial shocks. Conversely, losses reduce a credit union's ability to do those things.
CABRILLO scored 8 out of a possible 30 on Bankrate's earnings test, failing to reach the national average of 10.31.
CABRILLO had an earnings ratio of 3.00 percent in our test, above the average for all credit unions, a sign that it's outperforming its peers in this area.