How successful a credit union is at earning money affects its long-term survivability. Earnings may be retained by the credit union, giving a boost to its capital buffer, or be used to deal with problematic loans, potentially making the credit union better able to withstand economic shocks. Losses, on the other hand, reduce a credit union's ability to do those things.
PERU scored 4 out of a possible 30 on Bankrate's earnings test, coming in below the national average of 10.31.
The credit union had an earnings ratio of 2.00 percent in our test, higher than the average for all credit unions, a sign that it's outperforming its peers in this area.