How successful a credit union is at making money affects its long-term survivability. A credit union can retain its earnings, giving a boost to its capital cushion, or use them to deal with problematic loans, potentially making the credit union more resilient in tough times. Credit unions that are losing money, however, are less able to do those things.
DOWNEY fell short of the national average on Bankrate's test of earnings, achieving a score of 8 out of a possible 30.
DOWNEY had an earnings ratio of 4.00 percent in our test, better than the average for all credit unions, suggesting that it's running ahead of its peers in this area.