A credit union's earnings performance affects its safety and soundness. Earnings may be retained by the credit union, giving a boost to its capital cushion, or be used to address problematic loans, likely making the credit union better prepared to withstand financial shocks. Obviously, credit unions that are losing money have less ability to do those things.
On Bankrate's test of earnings, CTA-74TH STREET DEPOT scored 0 out of a possible 30, falling short of the national average of 10.11.
One indication that CTA-74TH STREET DEPOT is outperforming its peers in this area was its earnings ratio of 0.00 percent in our test, better than the average for all credit unions.