How successful a credit union is at earning money has an effect on its safety and soundness. Earnings may be retained by the credit union, expanding its capital buffer, or be used to deal with problematic loans, likely making the credit union more resilient in tough times. Conversely, losses diminish a credit union's ability to do those things.
MARINE received above-average marks on Bankrate's test of earnings, achieving a score of 18 out of a possible 30.
MARINE had an earnings ratio of 8.00 percent in our test, above the average for all credit unions, suggesting that it's doing better than its peers in this area.