A credit union's profitability affects its safety and soundness. Earnings can be retained by the credit union, expanding its capital buffer, or be used to address problematic loans, potentially making the credit union better prepared to withstand economic trouble. Credit unions that are losing money, however, are less able to do those things.
On Bankrate's earnings test, CENSUS scored 2 out of a possible 30, falling short of the national average of 10.11.
CENSUS had an earnings ratio of 0.00 percent in our test, better than the average for all credit unions, a sign that it's doing better than its peers in this area.