How successful a credit union is at making money affects its safety and soundness. Earnings may be retained by the credit union, increasing its capital buffer, or be used to address problematic loans, potentially making the credit union better able to withstand economic trouble. However, credit unions that are losing money are less able to do those things.
DISTRICT 123 fell short of the national average on Bankrate's earnings test, achieving a score of 2 out of a possible 30.
One indication that DISTRICT 123 is beating its peers in this area was its earnings ratio of 0.00 percent in our test, above the average for all credit unions.