A credit union's earnings performance affects its safety and soundness. A credit union can retain its earnings, giving a boost to its capital cushion, or use them to address problematic loans, potentially making the credit union more resilient in times of trouble. Losses, on the other hand, lessen a credit union's ability to do those things.
On Bankrate's earnings test, INDIANA UNIVERSITY scored 18 out of a possible 30, better than the national average of 10.31.
INDIANA UNIVERSITY had an earnings ratio of 8.00 percent in our test, better than the average for all credit unions, a sign that it's doing better than its peers in this area.