A credit union's earnings performance affects its safety and soundness. A credit union can retain its earnings, boosting its capital buffer, or use them to deal with problematic loans, likely making the credit union more resilient in times of trouble. Losses, on the other hand, reduce a credit union's ability to do those things.
CAPITOL scored 16 out of a possible 30 on Bankrate's test of earnings, beating out the national average of 10.11.
One sign that CAPITOL 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.