How successful a credit union is at making money affects its safety and soundness. A credit union can retain its earnings, expanding its capital cushion, or put them to work addressing problematic loans, potentially making the credit union more resilient in times of trouble. Conversely, losses take away from a credit union's ability to do those things.
On Bankrate's test of earnings, CHROME scored 6 out of a possible 30, lower than the national average of 10.11.
One indication that CHROME is running ahead of its peers in this area was its earnings ratio of 0.00 percent in our test, above the average for all credit unions.