How successful a credit union is at earning money has an effect on its long-term survivability. Earnings may be retained by the credit union, expanding its capital cushion, or be used to deal with problematic loans, potentially making the credit union better prepared to withstand financial shocks. Conversely, losses lessen a credit union's ability to do those things.
On Bankrate's earnings test, CHULA VISTA CITY EMPLOYEES scored 0 out of a possible 30, failing to reach the national average of 10.11.
One indication that CHULA VISTA CITY EMPLOYEES is doing better than its peers in this area was its earnings ratio of 0.00 percent in our test, better than the average for all credit unions.