How successful a credit union is at earning money affects its safety and soundness. Earnings may be retained by the credit union, boosting its capital buffer, or be used to deal with problematic loans, likely making the credit union better able to withstand economic trouble. Credit unions that are losing money, however, are less able to do those things.
On Bankrate's earnings test, WAYNE-WESTLAND scored 14 out of a possible 30, better than the national average of 10.31.
One sign that the credit union is doing better than its peers in this area was its earnings ratio of 6.00 percent in our test, above the average for all credit unions.