A credit union's earnings performance affects its long-term survivability. A credit union can retain its earnings, boosting its capital buffer, or use them to deal with problematic loans, potentially making the credit union more resilient in times of trouble. Conversely, losses take away from a credit union's ability to do those things.
On Bankrate's test of earnings, BAY ATLANTIC scored 4 out of a possible 30, lower than the national average of 10.11.
One sign that BAY ATLANTIC is outperforming its peers in this area was its earnings ratio of 0.00 percent in our test, above the average for all credit unions.