A credit union's earnings performance has an effect on its long-term survivability. A credit union can retain its earnings, boosting its capital cushion, or use them to deal with problematic loans, likely making the credit union more resilient in tough times. However, credit unions that are losing money have less ability to do those things.
On Bankrate's earnings test, CARO scored 6 out of a possible 30, coming in below the national average of 10.11.
One sign that CARO is outperforming its peers in this area was its earnings ratio of 0.00 percent in our test, above the average for all credit unions.