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 cushion, or be used to address problematic loans, potentially making the credit union more resilient in tough times. Credit unions that are losing money, however, are less able to do those things.
MAUI TEACHERS did below-average on Bankrate's test of earnings, achieving a score of 10 out of a possible 30.
One sign that the credit union is running ahead of its peers in this area was its earnings ratio of 5.00 percent in our test, higher than the average for all credit unions.