How successful a credit union is at making money affects its long-term survivability. Earnings may be retained by the credit union, expanding its capital cushion, or be used to deal with problematic loans, potentially making the credit union more resilient in tough times. Obviously, credit unions that are losing money are less able to do those things.
HALLIBURTON EMPLOYEES scored 8 out of a possible 30 on Bankrate's earnings test, below the national average of 10.31.
One sign that the credit union is running ahead of its peers in this area was its earnings ratio of 3.00 percent in our test, above the average for all credit unions.