A credit union's profitability affects its long-term survivability. Earnings may be retained by the credit union, expanding its capital buffer, or be used to address problematic loans, potentially making the credit union better able to withstand economic shocks. Conversely, losses diminish a credit union's ability to do those things.
XCEL scored 10 out of a possible 30 on Bankrate's test of earnings, less than the national average of 10.31.
XCEL had an earnings ratio of 5.00 percent in our test, better than the average for all credit unions, a sign that it's doing better than its peers in this area.