A credit union's earnings performance has an effect on its safety and soundness. Earnings may 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 tough times. However, credit unions that are losing money are less able to do those things.
GALE fell behind the national average on Bankrate's earnings test, achieving a score of 0 out of a possible 30.
One sign that GALE is doing better than its peers in this area was its earnings ratio of 0.00 percent in our test, better than the average for all credit unions.