How successful a credit union is at making money has an effect on its safety and soundness. A credit union can retain its earnings, giving a boost to its capital buffer, or use them to address problematic loans, potentially making the credit union more resilient in times of trouble. Conversely, losses lessen a credit union's ability to do those things.
CALIFORNIA BEAR scored 0 out of a possible 30 on Bankrate's test of earnings, lower than the national average of 10.31.
CALIFORNIA BEAR had an earnings ratio of 0.00 percent in our test, less than the average for all credit unions, an indication that it's running behind its peers in this area.