A credit union's profitability has an effect on its safety and soundness. Earnings can be retained by the credit union, giving a boost to its capital cushion, or be used to address problematic loans, potentially making the credit union more resilient in times of trouble. Losses, on the other hand, diminish a credit union's ability to do those things.
QUESTA did above-average on Bankrate's test of earnings, achieving a score of 18 out of a possible 30.
One sign that QUESTA is beating its peers in this area was its earnings ratio of 8.00 percent in our test, higher than the average for all credit unions.