A credit union's ability to earn money has an effect on its safety and soundness. Earnings can be retained by the credit union, increasing its capital buffer, or be used to deal with problematic loans, likely making the credit union more resilient in times of trouble. Losses, on the other hand, lessen a credit union's ability to do those things.
On Bankrate's test of earnings, CITY scored 18 out of a possible 30, above the national average of 10.11.
One indication that CITY is outperforming its peers in this area was its earnings ratio of 0.00 percent in our test, above the average for all credit unions.