A credit union's profitability has an effect on its long-term survivability. A credit union can retain its earnings, expanding its capital buffer, or use them to deal with problematic loans, likely making the credit union more resilient in tough times. Losses, on the other hand, take away from a credit union's ability to do those things.
On Bankrate's earnings test, MIDWEST AMERICA scored 16 out of a possible 30, beating the national average of 10.31.
MIDWEST AMERICA had an earnings ratio of 7.00 percent in our test, above the average for all credit unions, a sign that it's beating its peers in this area.