How successful a credit union is at making money affects its long-term survivability. A credit union can retain its earnings, expanding its capital cushion, or put them to work addressing problematic loans, potentially 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 earnings test, CSE scored 12 out of a possible 30, better than the national average of 10.31.
CSE had an earnings ratio of 5.00 percent in our test, better than the average for all credit unions, suggesting that it's outperforming its peers in this area.