A credit union's ability to earn money affects its safety and soundness. A credit union can retain its earnings, boosting its capital buffer, or put them to work addressing problematic loans, likely making the credit union better able to withstand financial trouble. However, credit unions that are losing money are less able to do those things.
BOOTSTRAP fell behind the national average on Bankrate's earnings test, achieving a score of 0 out of a possible 30.
BOOTSTRAP had an earnings ratio of 0.00 percent in our test, higher than the average for all credit unions, suggesting that it's running ahead of its peers in this area.