How successful a credit union is at earning money has an effect on its long-term survivability. A credit union can retain its earnings, increasing its capital buffer, or put them to work addressing problematic loans, likely making the credit union better able to withstand economic trouble. However, credit unions that are losing money have less ability to do those things.
CAL-COM did above-average on Bankrate's test of earnings, achieving a score of 18 out of a possible 30.
One sign that CAL-COM 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.