A credit union's ability to earn money has an effect on its safety and soundness. Earnings can be retained by the credit union, boosting its capital buffer, or be used to address problematic loans, potentially making the credit union better able to withstand financial trouble. Credit unions that are losing money, however, have less ability to do those things.
KEYPOINT scored 10 out of a possible 30 on Bankrate's earnings test, lower than the national average of 10.31.
One sign that KEYPOINT is beating its peers in this area was its earnings ratio of 4.00 percent in our test, higher than the average for all credit unions.