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 cushion, or be used to address problematic loans, likely making the credit union better prepared to withstand financial shocks. Credit unions that are losing money, however, are less able to do those things.
MONEY ONE underperformed the average on Bankrate's earnings test, achieving a score of 0 out of a possible 30.
MONEY ONE had an earnings ratio of -6.00 percent in our test, less than the average for all credit unions, an indication that it's performing behind its peers in this area.