A credit union's earnings performance affects its long-term survivability. Earnings can be retained by the credit union, expanding its capital cushion, or be used to address problematic loans, potentially making the credit union more resilient in times of trouble. Losses, on the other hand, reduce a credit union's ability to do those things.
CHEVRON beat the national average on Bankrate's test of earnings, achieving a score of 14 out of a possible 30.
One indication that the credit union is beating its peers in this area was its earnings ratio of 7.00 percent in our test, better than the average for all credit unions.