A credit union's earnings performance has an effect on its safety and soundness. Earnings can be retained by the credit union, giving a boost to its capital buffer, or be used to deal with problematic loans, likely making the credit union better able to withstand economic shocks. Obviously, credit unions that are losing money have less ability to do those things.
UNIVERSITY OF TOLEDO scored 2 out of a possible 30 on Bankrate's test of earnings, failing to reach the national average of 10.31.
UNIVERSITY OF TOLEDO had an earnings ratio of 1.00 percent in our test, equal to the average for all credit unions, suggesting that it's right in line with its peers in this area.