How successful a credit union is at earning money affects its safety and soundness. A credit union can retain its earnings, boosting its capital cushion, or put them to work addressing problematic loans, likely making the credit union better prepared to withstand financial shocks. Conversely, losses take away from a credit union's ability to do those things.
SAN DIEGO METROPOLITAN outperformed the average on Bankrate's test of earnings, achieving a score of 18 out of a possible 30.
The credit union had an earnings ratio of 9.00 percent in our test, above the average for all credit unions, suggesting that it's running ahead of its peers in this area.