How successful a credit union is at making money has an effect on its safety and soundness. Earnings can be retained by the credit union, increasing its capital buffer, or be used to deal with problematic loans, potentially making the credit union more resilient in tough times. Losses, on the other hand, diminish a credit union's ability to do those things.
LANAI underperformed the average on Bankrate's test of earnings, achieving a score of 4 out of a possible 30.
One indication that the credit union is doing better than its peers in this area was its earnings ratio of 2.00 percent in our test, better than the average for all credit unions.