How successful a credit union is at making money has an effect on its long-term survivability. A credit union can retain its earnings, increasing its capital buffer, or use them to address problematic loans, likely making the credit union better prepared to withstand financial trouble. Losses, on the other hand, diminish a credit union's ability to do those things.
MEMBERS CHOICE fell short of the national average on Bankrate's test of earnings, achieving a score of 10 out of a possible 30.
One sign that the credit union is doing better than its peers in this area was its earnings ratio of 4.00 percent in our test, higher than the average for all credit unions.