A credit union's ability to earn money affects its long-term survivability. A credit union can retain its earnings, expanding its capital buffer, or put them to work addressing problematic loans, likely making the credit union better able to withstand financial trouble. Conversely, losses diminish a credit union's ability to do those things.
CAPITOL beat the national average on Bankrate's earnings test, achieving a score of 12 out of a possible 30.
One sign that CAPITOL is outperforming its peers in this area was its earnings ratio of 6.00 percent in our test, above the average for all credit unions.