How successful a credit union is at making money has an effect on its safety and soundness. A credit union can retain its earnings, boosting its capital buffer, or use them to address problematic loans, potentially making the credit union more resilient in times of trouble. Conversely, losses take away from a credit union's ability to do those things.
On Bankrate's test of earnings, SONOMA scored 24 out of a possible 30, beating out the national average of 10.31.
The credit union had an earnings ratio of 15.00 percent in our test, better than the average for all credit unions, suggesting that it's outperforming its peers in this area.