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 buffer, or use them to address problematic loans, likely making the credit union better able to withstand economic trouble. Losses, on the other hand, lessen a credit union's ability to do those things.
On Bankrate's earnings test, COUNTRYSIDE scored 16 out of a possible 30, beating out the national average of 10.31.
One sign that the credit union is outperforming its peers in this area was its earnings ratio of 8.00 percent in our test, above the average for all credit unions.