How successful a credit union is at earning money has an effect on its safety and soundness. A credit union can retain its earnings, boosting its capital cushion, or use them to deal with problematic loans, likely making the credit union better prepared to withstand economic shocks. Obviously, credit unions that are losing money are less able to do those things.
On Bankrate's earnings test, BENCHMARK scored 0 out of a possible 30, less than the national average of 10.11.
One indication that BENCHMARK is doing better than its peers in this area was its earnings ratio of 0.00 percent in our test, higher than the average for all credit unions.