A credit union's earnings performance affects its safety and soundness. Earnings may be retained by the credit union, boosting its capital buffer, or be used to address problematic loans, likely making the credit union better able to withstand economic shocks. Losses, on the other hand, take away from a credit union's ability to do those things.
CDC exceeded the national average on Bankrate's earnings test, achieving a score of 18 out of a possible 30.
One indication that CDC 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.