How successful a credit union is at earning money has an effect on its long-term survivability. Earnings can be retained by the credit union, boosting its capital buffer, or be used to deal with problematic loans, potentially making the credit union more resilient in tough times. Obviously, credit unions that are losing money have less ability to do those things.
On Bankrate's earnings test, PINNACLE scored 6 out of a possible 30, coming in below the national average of 10.31.
The credit union had an earnings ratio of 2.00 percent in our test, better than the average for all credit unions, a sign that it's running ahead of its peers in this area.