A credit union's ability to earn money affects its long-term survivability. Earnings may be retained by the credit union, expanding its capital cushion, or be used to deal with problematic loans, likely making the credit union better prepared to withstand financial trouble. Obviously, credit unions that are losing money are less able to do those things.
On Bankrate's earnings test, ELECTRUS scored 6 out of a possible 30, lower than the national average of 10.11.
One indication that ELECTRUS 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.