A credit union's earnings performance has an effect on its long-term survivability. A credit union can retain its earnings, expanding its capital cushion, or use them to deal with problematic loans, potentially making the credit union better prepared to withstand financial trouble. Credit unions that are losing money, however, are less able to do those things.
On Bankrate's test of earnings, COMMUNITY SPIRIT CREDIT UNION scored 2 out of a possible 30, falling short of the national average of 10.11.
COMMUNITY SPIRIT CREDIT UNION had an earnings ratio of 0.00 percent in our test, above the average for all credit unions, an indication that it's running ahead of its peers in this area.