A credit union's earnings performance affects its long-term survivability. Earnings may be retained by the credit union, expanding its capital cushion, or be used to address problematic loans, potentially making the credit union better able to withstand financial trouble. Losses, on the other hand, reduce a credit union's ability to do those things.
On Bankrate's earnings test, WATER AND POWER COMMUNITY scored 18 out of a possible 30, beating the national average of 10.31.
One sign that the credit union is beating its peers in this area was its earnings ratio of 9.00 percent in our test, above the average for all credit unions.