A credit union's profitability has an effect on its safety and soundness. A credit union can retain its earnings, expanding its capital buffer, or put them to work addressing problematic loans, potentially making the credit union more resilient in tough times. Credit unions that are losing money, however, are less able to do those things.
N C P D outperformed the average on Bankrate's test of earnings, achieving a score of 14 out of a possible 30.
The credit union had an earnings ratio of 7.00 percent in our test, above the average for all credit unions, suggesting that it's doing better than its peers in this area.