A credit union's ability to earn money has an effect on its safety and soundness. A credit union can retain its earnings, giving a boost to its capital buffer, or use them to address problematic loans, likely making the credit union better able to withstand economic shocks. Losses, on the other hand, reduce a credit union's ability to do those things.
CONSUMER received below-average marks on Bankrate's earnings test, achieving a score of 10 out of a possible 30.
The credit union had an earnings ratio of 5.00 percent in our test, above the average for all credit unions, a sign that it's running ahead of its peers in this area.