How successful a credit union is at making money has an effect on its safety and soundness. A credit union can retain its earnings, giving a boost to its capital buffer, or use them to deal with problematic loans, potentially making the credit union more resilient in tough times. Conversely, losses take away from a credit union's ability to do those things.
TREASURY DEPARTMENT scored 6 out of a possible 30 on Bankrate's earnings test, coming in below the national average of 10.31.
The credit union had an earnings ratio of 2.00 percent in our test, higher than the average for all credit unions, suggesting that it's doing better than its peers in this area.