How successful a credit union is at earning money has an effect on its safety and soundness. Earnings can be retained by the credit union, boosting its capital cushion, or be used to address problematic loans, potentially making the credit union better prepared to withstand economic shocks. However, credit unions that are losing money have less ability to do those things.
On Bankrate's test of earnings, PEN AIR scored 18 out of a possible 30, exceeding the national average of 10.31.
The credit union had an earnings ratio of 8.00 percent in our test, above the average for all credit unions, suggesting that it's outperforming its peers in this area.