How successful a credit union is at making 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 address problematic loans, likely making the credit union more resilient in tough times. Conversely, losses take away from a credit union's ability to do those things.
On Bankrate's test of earnings, MID MINNESOTA scored 8 out of a possible 30, falling short of the national average of 10.31.
One indication that the credit union is outperforming its peers in this area was its earnings ratio of 4.00 percent in our test, better than the average for all credit unions.