How successful a credit union is at making money has an effect on its safety and soundness. Earnings can be retained by the credit union, expanding its capital buffer, or be used to deal with 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.
CHRISTIAN FINANCIAL scored 18 out of a possible 30 on Bankrate's earnings test, exceeding the national average of 10.11.
CHRISTIAN FINANCIAL had an earnings ratio of 0.00 percent in our test, higher than the average for all credit unions, a sign that it's outperforming its peers in this area.