A credit union's profitability has an effect on its long-term survivability. A credit union can retain its earnings, giving a boost to its capital cushion, or use them to deal with problematic loans, potentially making the credit union more resilient in tough times. However, credit unions that are losing money have less ability to do those things.
QUORUM scored 18 out of a possible 30 on Bankrate's test of earnings, exceeding the national average of 10.31.
The credit union had an earnings ratio of 9.00 percent in our test, higher than the average for all credit unions, a sign that it's outperforming its peers in this area.