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, potentially making the credit union better prepared to withstand economic shocks. Obviously, credit unions that are losing money are less able to do those things.
CHA-TEL scored 16 out of a possible 30 on Bankrate's test of earnings, exceeding the national average of 10.11.
One sign that CHA-TEL 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.