How successful a credit union is at making money has an effect on its long-term survivability. A credit union can retain its earnings, expanding its capital cushion, or put them to work addressing problematic loans, potentially making the credit union more resilient in tough times. Credit unions that are losing money, however, have less ability to do those things.
ADIRONDACK REGIONAL outperformed the average on Bankrate's earnings test, achieving a score of 14 out of a possible 30.
One indication that ADIRONDACK REGIONAL is running ahead of its peers in this area was its earnings ratio of 0.00 percent in our test, higher than the average for all credit unions.