How successful a credit union is at making money affects its long-term survivability. Earnings may be retained by the credit union, increasing its capital cushion, or be used to deal with problematic loans, potentially making the credit union better able to withstand financial shocks. Credit unions that are losing money, however, are less able to do those things.
CENTEX CITIZENS received below-average marks on Bankrate's earnings test, achieving a score of 4 out of a possible 30.
One sign that CENTEX CITIZENS is doing better than its peers in this area was its earnings ratio of 2.00 percent in our test, higher than the average for all credit unions.