A credit union's profitability has an effect on its long-term survivability. A credit union can retain its earnings, expanding its capital buffer, or put them to work addressing problematic loans, likely making the credit union more resilient in tough times. Conversely, losses reduce a credit union's ability to do those things.
D'PUC received below-average marks on Bankrate's earnings test, achieving a score of 0 out of a possible 30.
One indication that D'PUC is underperforming its peers in this area was its earnings ratio of -4.00 percent in our test, worse than the average for all credit unions.