A credit union's earnings performance has an effect on its long-term survivability. A credit union can retain its earnings, expanding its capital buffer, or put them to work addressing problematic loans, potentially making the credit union better able to withstand financial shocks. Losses, on the other hand, diminish a credit union's ability to do those things.
On Bankrate's earnings test, CHARLOTTESVILLE POSTAL scored 0 out of a possible 30, falling short of the national average of 10.11.
CHARLOTTESVILLE POSTAL had an earnings ratio of -1.00 percent in our test, higher than the average for all credit unions, an indication that it's outperforming its peers in this area.