A credit union's profitability has an effect on its long-term survivability. Earnings can be retained by the credit union, expanding its capital buffer, or be used to deal with problematic loans, potentially making the credit union better able to withstand economic shocks. Losses, on the other hand, diminish a credit union's ability to do those things.
On Bankrate's earnings test, CONSTRUCTION scored 0 out of a possible 30, failing to reach the national average of 10.11.
One indication that CONSTRUCTION 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.