A credit union's earnings performance has an effect on its long-term survivability. A credit union can retain its earnings, expanding its capital cushion, or use them to address problematic loans, likely making the credit union more resilient in tough times. Obviously, credit unions that are losing money have less ability to do those things.
On Bankrate's test of earnings, COCA-COLA scored 16 out of a possible 30, above the national average of 10.31.
One sign that the credit union is running ahead of its peers in this area was its earnings ratio of 7.00 percent in our test, above the average for all credit unions.