A credit union's earnings performance affects its long-term survivability. A credit union can retain its earnings, boosting its capital cushion, or put them to work addressing problematic loans, likely making the credit union more resilient in tough times. Losses, on the other hand, reduce a credit union's ability to do those things.
On Bankrate's test of earnings, MINNCO scored 20 out of a possible 30, beating out the national average of 10.31.
One indication that the credit union is outperforming its peers in this area was its earnings ratio of 11.00 percent in our test, higher than the average for all credit unions.