How successful a credit union is at making money has an effect on its long-term survivability. A credit union can retain its earnings, increasing its capital cushion, or use them to deal with problematic loans, likely making the credit union more resilient in tough times. Obviously, credit unions that are losing money are less able to do those things.
CONSUMERS did below-average on Bankrate's earnings test, achieving a score of 10 out of a possible 30.
One sign that the credit union is beating its peers in this area was its earnings ratio of 4.00 percent in our test, above the average for all credit unions.