How successful a credit union is at making money affects its safety and soundness. Earnings can be retained by the credit union, expanding its capital cushion, or be used to deal with problematic loans, likely making the credit union better prepared to withstand financial trouble. Losses, on the other hand, take away from a credit union's ability to do those things.
CHOCOLATE BAYOU COMMUNITY exceeded the national average on Bankrate's earnings test, achieving a score of 12 out of a possible 30.
CHOCOLATE BAYOU COMMUNITY had an earnings ratio of 0.00 percent in our test, higher than the average for all credit unions, a sign that it's doing better than its peers in this area.