A credit union's ability to earn money has an effect on its safety and soundness. A credit union can retain its earnings, increasing its capital buffer, or use them to address problematic loans, potentially making the credit union better prepared to withstand financial shocks. Losses, on the other hand, diminish a credit union's ability to do those things.
On Bankrate's test of earnings, CALCOE scored 14 out of a possible 30, beating the national average of 10.11.
One indication that CALCOE 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.