A credit union's profitability has an effect on its safety and soundness. A credit union can retain its earnings, expanding its capital buffer, or put them to work addressing problematic loans, potentially making the credit union better prepared to withstand economic shocks. However, credit unions that are losing money have less ability to do those things.
CORNERSTONE COMMUNITY received below-average marks on Bankrate's earnings test, achieving a score of 6 out of a possible 30.
One indication that CORNERSTONE COMMUNITY is beating its peers in this area was its earnings ratio of 0.00 percent in our test, above the average for all credit unions.