How successful a credit union is at earning money affects its safety and soundness. A credit union can retain its earnings, giving a boost to its capital cushion, or use them to address problematic loans, likely making the credit union better able to withstand financial trouble. Obviously, credit unions that are losing money have less ability to do those things.
On Bankrate's test of earnings, DIABLO VALLEY scored 10 out of a possible 30, less than the national average of 10.11.
One indication that DIABLO VALLEY is doing better than its peers in this area was its earnings ratio of 0.00 percent in our test, better than the average for all credit unions.