A credit union's ability to earn money affects its safety and soundness. A credit union can retain its earnings, giving a boost to its capital buffer, or use them to address problematic loans, potentially making the credit union more resilient in tough times. Conversely, losses reduce a credit union's ability to do those things.
I. H. MISSISSIPPI VALLEY beat the national average on Bankrate's earnings test, achieving a score of 18 out of a possible 30.
The credit union had an earnings ratio of 8.00 percent in our test, better than the average for all credit unions, suggesting that it's outperforming its peers in this area.