How successful a credit union is at earning money has an effect on its long-term survivability. Earnings can be retained by the credit union, giving a boost to its capital cushion, or be used to address problematic loans, potentially making the credit union better prepared to withstand economic shocks. Credit unions that are losing money, however, have less ability to do those things.
On Bankrate's earnings test, CARBONDALE HIGHWAY scored 2 out of a possible 30, less than the national average of 10.11.
CARBONDALE HIGHWAY had an earnings ratio of 0.00 percent in our test, higher than the average for all credit unions, a sign that it's beating its peers in this area.