How successful a credit union is at making money affects its long-term survivability. Earnings may be retained by the credit union, expanding its capital cushion, or be used to address problematic loans, likely making the credit union more resilient in times of trouble. Conversely, losses diminish a credit union's ability to do those things.
On Bankrate's earnings test, DIGITAL scored 22 out of a possible 30, beating the national average of 10.31.
The credit union had an earnings ratio of 12.00 percent in our test, better than the average for all credit unions, a sign that it's beating its peers in this area.