A credit union's earnings performance has an effect on its long-term survivability. Earnings can be retained by the credit union, boosting its capital cushion, or be used to deal with problematic loans, likely making the credit union better able to withstand financial trouble. However, credit unions that are losing money are less able to do those things.
COMMONWEALTH CENTRAL outperformed the average on Bankrate's earnings test, achieving a score of 12 out of a possible 30.
One indication that the credit union is running ahead of its peers in this area was its earnings ratio of 0.00 percent in our test, higher than the average for all credit unions.