A credit union's ability to earn money affects its long-term survivability. Earnings can be retained by the credit union, increasing its capital buffer, or be used to address problematic loans, likely making the credit union better able to withstand economic trouble. Conversely, losses diminish a credit union's ability to do those things.
GALLATIN STEAM PLANT scored 0 out of a possible 30 on Bankrate's earnings test, falling short of the national average of 10.11.
One sign that the credit union 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.