A credit union's earnings performance has an effect on its long-term survivability. 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 economic shocks. However, credit unions that are losing money are less able to do those things.
On Bankrate's test of earnings, FLOODWOOD AREA scored 4 out of a possible 30, lower than the national average of 10.11.
One sign that FLOODWOOD AREA is running ahead of its peers in this area was its earnings ratio of 0.00 percent in our test, higher than the average for all credit unions.