A credit union's earnings performance affects its long-term survivability. A credit union can retain its earnings, giving a boost to its capital buffer, or use them to deal with problematic loans, potentially making the credit union more resilient in tough times. Conversely, losses lessen a credit union's ability to do those things.
On Bankrate's test of earnings, CHARTWAY scored 0 out of a possible 30, below the national average of 10.31.
The credit union had an earnings ratio of 4.00 percent in our test, higher than the average for all credit unions, a sign that it's beating its peers in this area.