A credit union's ability to earn money affects its long-term survivability. A credit union can retain its earnings, expanding its capital cushion, or use them to deal with problematic loans, potentially making the credit union better prepared to withstand financial shocks. Losses, on the other hand, take away from a credit union's ability to do those things.
On Bankrate's test of earnings, CAL STATE L.A. scored 16 out of a possible 30, better than the national average of 10.31.
One sign that CAL STATE L.A. is outperforming its peers in this area was its earnings ratio of 8.00 percent in our test, above the average for all credit unions.