How successful a credit union is at earning money has an effect on its long-term survivability. A credit union can retain its earnings, boosting its capital buffer, or use them to deal with problematic loans, potentially making the credit union better prepared to withstand financial trouble. Losses, on the other hand, diminish a credit union's ability to do those things.
On Bankrate's earnings test, CONSTELLATION scored 8 out of a possible 30, below the national average of 10.11.
One sign that CONSTELLATION is doing better than its peers in this area was its earnings ratio of 0.00 percent in our test, higher than the average for all credit unions.