A credit union's ability to earn money affects its safety and soundness. Earnings can be retained by the credit union, expanding its capital cushion, or be used to address problematic loans, potentially making the credit union better able to withstand financial shocks. Losses, on the other hand, lessen a credit union's ability to do those things.
DEMOCRACY scored 2 out of a possible 30 on Bankrate's test of earnings, less than the national average of 10.31.
DEMOCRACY had an earnings ratio of 1.00 percent in our test, equal to the average for all credit unions, suggesting that it's running neck and neck with its peers in this area.