How successful a credit union is at making money affects its safety and soundness. Earnings may be retained by the credit union, increasing its capital cushion, or be used to deal with problematic loans, potentially making the credit union more resilient in times of trouble. Credit unions that are losing money, however, have less ability to do those things.
On Bankrate's earnings test, DADE COUNTY scored 18 out of a possible 30, exceeding the national average of 10.31.
One sign that the credit union is doing better than its peers in this area was its earnings ratio of 8.00 percent in our test, above the average for all credit unions.