How successful a credit union is at making money has an effect on its safety and soundness. Earnings can be retained by the credit union, boosting its capital buffer, or be used to address problematic loans, potentially making the credit union more resilient in tough times. Conversely, losses reduce a credit union's ability to do those things.
ARBOR FINANCIAL scored 18 out of a possible 30 on Bankrate's test of earnings, better than the national average of 10.11.
One sign that ARBOR FINANCIAL is doing better than its peers in this area was its earnings ratio of 0.00 percent in our test, above the average for all credit unions.