How successful a credit union is at making money affects its long-term survivability. A credit union can retain its earnings, increasing its capital cushion, or put them to work addressing problematic loans, likely 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, C U P scored 4 out of a possible 30, failing to reach the national average of 10.11.
One indication that C U P is beating its peers in this area was its earnings ratio of 0.00 percent in our test, above the average for all credit unions.