How successful a credit union is at making money has an effect on its long-term survivability. A credit union can retain its earnings, giving a boost to its capital cushion, or use them to deal with problematic loans, potentially making the credit union more resilient in times of trouble. Losses, on the other hand, lessen a credit union's ability to do those things.
NORTH WESTERN EMPLOYEES scored 10 out of a possible 30 on Bankrate's test of earnings, failing to reach the national average of 10.31.
One indication that the credit union is outperforming its peers in this area was its earnings ratio of 4.00 percent in our test, higher than the average for all credit unions.