How successful a credit union is at earning money affects its safety and soundness. A credit union can retain its earnings, expanding its capital buffer, or put them to work addressing problematic loans, likely making the credit union better prepared to withstand financial shocks. Losses, on the other hand, reduce a credit union's ability to do those things.
On Bankrate's earnings test, CHOPTANK ELECTRIC COOP EMPLOY scored 12 out of a possible 30, better than the national average of 10.11.
CHOPTANK ELECTRIC COOP EMPLOY had an earnings ratio of 0.00 percent in our test, above the average for all credit unions, suggesting that it's outperforming its peers in this area.