A credit union's earnings performance affects its safety and soundness. A credit union can retain its earnings, giving a boost to its capital buffer, or use them to deal with problematic loans, potentially making the credit union more resilient in tough times. However, credit unions that are losing money have less ability to do those things.
GARDEN SAVINGS scored 2 out of a possible 30 on Bankrate's test of earnings, failing to reach the national average of 10.31.
GARDEN SAVINGS had an earnings ratio of 1.00 percent in our test, equal to the average for all credit unions, an indication that it's running neck and neck with its peers in this area.