How successful a credit union is at making money has an effect on its safety and soundness. A credit union can retain its earnings, boosting its capital cushion, or use them to address problematic loans, likely making the credit union more resilient in times of trouble. Losses, on the other hand, diminish a credit union's ability to do those things.
ATRIUM scored 4 out of a possible 30 on Bankrate's test of earnings, failing to reach the national average of 10.11.
One sign that ATRIUM 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.