A credit union's ability to earn money affects its long-term survivability. Earnings can be retained by the credit union, giving a boost to its capital buffer, 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, have less ability to do those things.
On Bankrate's earnings test, CENTRAL SUNBELT scored 16 out of a possible 30, above the national average of 10.31.
CENTRAL SUNBELT had an earnings ratio of 7.00 percent in our test, above the average for all credit unions, suggesting that it's doing better than its peers in this area.