A credit union's earnings performance has an effect on 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 better prepared to withstand economic trouble. Conversely, losses diminish a credit union's ability to do those things.
On Bankrate's earnings test, COAST CENTRAL scored 18 out of a possible 30, beating out the national average of 10.31.
COAST CENTRAL had an earnings ratio of 9.00 percent in our test, higher than the average for all credit unions, suggesting that it's doing better than its peers in this area.