How successful a credit union is at earning money has an effect on its safety and soundness. Earnings may be retained by the credit union, giving a boost to its capital buffer, or be used to deal with problematic loans, likely making the credit union more resilient in times of trouble. Credit unions that are losing money, however, are less able to do those things.
NORTHERN PACIFIC DULUTH scored 0 out of a possible 30 on Bankrate's earnings test, lower than the national average of 10.31.
NORTHERN PACIFIC DULUTH had an earnings ratio of -7.00 percent in our test, less than the average for all credit unions, an indication that it's underperforming its peers in this area.