How successful a credit union is at making money affects its long-term survivability. Earnings can be retained by the credit union, expanding its capital cushion, or be used to deal with problematic loans, likely making the credit union better prepared to withstand financial trouble. Losses, on the other hand, take away from a credit union's ability to do those things.
KINGS scored 8 out of a possible 30 on Bankrate's earnings test, coming in below the national average of 10.31.
One indication that the credit union is doing better than its peers in this area was its earnings ratio of 4.00 percent in our test, above the average for all credit unions.