A credit union's earnings performance affects its long-term survivability. Earnings can be retained by the credit union, increasing its capital cushion, or be used to deal with problematic loans, likely making the credit union more resilient in times of trouble. Credit unions that are losing money, however, have less ability to do those things.
On Bankrate's earnings test, G.E.M. scored 8 out of a possible 30, falling short of the national average of 10.11.
One sign that G.E.M. is doing better than its peers in this area was its earnings ratio of 0.00 percent in our test, above the average for all credit unions.