How successful a credit union is at making money affects its long-term survivability. Earnings can be retained by the credit union, giving a boost to its capital cushion, or be used to deal with problematic loans, likely making the credit union more resilient in tough times. Losses, on the other hand, take away from a credit union's ability to do those things.
On Bankrate's earnings test, BADGER scored 0 out of a possible 30, failing to reach the national average of 10.31.
BADGER had an earnings ratio of -41.00 percent in our test, below the average for all credit unions, an indication that it's running behind its peers in this area.