A credit union's earnings performance affects its long-term survivability. A credit union can retain its earnings, boosting its capital buffer, or put them to work addressing problematic loans, potentially making the credit union more resilient in tough times. However, credit unions that are losing money are less able to do those things.
On Bankrate's earnings test, CITY scored 4 out of a possible 30, coming in below the national average of 10.11.
CITY had an earnings ratio of 0.00 percent in our test, higher than the average for all credit unions, suggesting that it's beating its peers in this area.