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 address problematic loans, likely making the credit union better prepared to withstand financial trouble. Conversely, losses take away from a credit union's ability to do those things.
On Bankrate's test of earnings, CO-OP TOLEDO scored 0 out of a possible 30, coming in below the national average of 10.11.
One sign that CO-OP TOLEDO is outperforming its peers in this area was its earnings ratio of 0.00 percent in our test, better than the average for all credit unions.