A credit union's profitability has an effect on its safety and soundness. Earnings may be retained by the credit union, increasing its capital buffer, or be used to deal with problematic loans, potentially making the credit union better prepared to withstand economic trouble. However, credit unions that are losing money have less ability to do those things.
CROSSROADS FINANCIAL exceeded the national average on Bankrate's earnings test, achieving a score of 18 out of a possible 30.
One sign that CROSSROADS FINANCIAL is beating its peers in this area was its earnings ratio of 0.00 percent in our test, higher than the average for all credit unions.