How successful a credit union is at making money affects its long-term survivability. Earnings can be retained by the credit union, boosting its capital cushion, or be used to address problematic loans, likely making the credit union better able to withstand financial shocks. Obviously, credit unions that are losing money are less able to do those things.
UNIVERSITY scored 16 out of a possible 30 on Bankrate's test of earnings, exceeding the national average of 10.31.
The credit union had an earnings ratio of 7.00 percent in our test, higher than the average for all credit unions, suggesting that it's doing better than its peers in this area.