How successful a credit union is at earning money affects its safety and soundness. A credit union can retain its earnings, giving a boost to its capital buffer, or use them to address problematic loans, likely making the credit union better able to withstand economic shocks. Losses, on the other hand, lessen a credit union's ability to do those things.
On Bankrate's test of earnings, CHEN-DEL-O scored 2 out of a possible 30, below the national average of 10.11.
The credit union had an earnings ratio of 0.00 percent in our test, higher than the average for all credit unions, suggesting that it's running ahead of its peers in this area.