A credit union's profitability has an effect on its long-term survivability. Earnings can be retained by the credit union, boosting its capital cushion, or be used to deal with problematic loans, potentially making the credit union better able to withstand economic shocks. Credit unions that are losing money, however, are less able to do those things.
On Bankrate's test of earnings, MOKELUMNE scored 6 out of a possible 30, lower than the national average of 10.31.
One indication that MOKELUMNE is outperforming its peers in this area was its earnings ratio of 2.00 percent in our test, higher than the average for all credit unions.