A credit union's ability to earn money affects its safety and soundness. 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 times of trouble. Losses, on the other hand, reduce a credit union's ability to do those things.
On Bankrate's earnings test, CENTRAL ILLINOIS scored 14 out of a possible 30, beating out the national average of 10.11.
One sign that CENTRAL ILLINOIS is running ahead of its peers in this area was its earnings ratio of 0.00 percent in our test, higher than the average for all credit unions.