How successful a credit union is at making money has an effect on its long-term survivability. A credit union can retain its earnings, boosting its capital cushion, or use them to address 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.
CAMP SHELBY scored 18 out of a possible 30 on Bankrate's test of earnings, above the national average of 10.31.
CAMP SHELBY had an earnings ratio of 9.00 percent in our test, better than the average for all credit unions, an indication that it's beating its peers in this area.