How successful a credit union is at earning money affects its safety and soundness. Earnings may be retained by the credit union, giving a boost to its capital buffer, or be used to deal with problematic loans, potentially making the credit union better able to withstand financial shocks. Losses, on the other hand, take away from a credit union's ability to do those things.
On Bankrate's test of earnings, MAINE STATE scored 12 out of a possible 30, beating the national average of 10.31.
One indication that the credit union is beating its peers in this area was its earnings ratio of 6.00 percent in our test, higher than the average for all credit unions.