A credit union's earnings performance has an effect on its safety and soundness. Earnings may be retained by the credit union, boosting its capital cushion, or be used to address problematic loans, likely making the credit union better prepared to withstand financial trouble. However, credit unions that are losing money have less ability to do those things.
On Bankrate's earnings test, CEDARS-SINAI scored 14 out of a possible 30, above the national average of 10.11.
One sign that CEDARS-SINAI is running ahead of its peers in this area was its earnings ratio of 0.00 percent in our test, better than the average for all credit unions.