A credit union's ability to earn money has an effect on its safety and soundness. A credit union can retain its earnings, expanding its capital buffer, or use them to deal with problematic loans, potentially making the credit union better prepared to withstand economic trouble. Credit unions that are losing money, however, have less ability to do those things.
On Bankrate's earnings test, C & R scored 0 out of a possible 30, less than the national average of 10.11.
One indication that C & R is outperforming its peers in this area was its earnings ratio of 0.00 percent in our test, higher than the average for all credit unions.