A credit union's ability to earn money has an effect on its long-term survivability. A credit union can retain its earnings, increasing its capital buffer, or use them to deal with problematic loans, potentially making the credit union better prepared to withstand economic shocks. Conversely, losses diminish a credit union's ability to do those things.
On Bankrate's test of earnings, BAYONNE CITY EMPLOYEES scored 2 out of a possible 30, coming in below the national average of 10.11.
One sign that BAYONNE CITY EMPLOYEES is outperforming its peers in this area was its earnings ratio of 0.00 percent in our test, better than the average for all credit unions.