A credit union's earnings performance affects 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, likely making the credit union better prepared to withstand financial shocks. Obviously, credit unions that are losing money are less able to do those things.
On Bankrate's earnings test, UNITED STATES SENATE scored 18 out of a possible 30, beating out the national average of 10.31.
One sign that the credit union is running ahead of its peers in this area was its earnings ratio of 8.00 percent in our test, better than the average for all credit unions.