A credit union's earnings performance has an effect on its long-term survivability. A credit union can retain its earnings, boosting its capital cushion, or use them to deal with problematic loans, likely making the credit union more resilient in tough times. Credit unions that are losing money, however, have less ability to do those things.
IDAHO CENTRAL scored 26 out of a possible 30 on Bankrate's test of earnings, exceeding 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 17.00 percent in our test, better than the average for all credit unions.