How successful a credit union is at making money affects its safety and soundness. Earnings can be retained by the credit union, expanding its capital buffer, or be used to deal with problematic loans, likely making the credit union better able to withstand financial shocks. Credit unions that are losing money, however, are less able to do those things.
CENTRAL COAST received below-average marks on Bankrate's earnings test, achieving a score of 8 out of a possible 30.
CENTRAL COAST had an earnings ratio of 3.00 percent in our test, above the average for all credit unions, suggesting that it's beating its peers in this area.