A credit union's profitability affects its safety and soundness. Earnings may be retained by the credit union, giving a boost to its capital buffer, or be used to address problematic loans, potentially making the credit union better able to withstand financial shocks. Credit unions that are losing money, however, have less ability to do those things.
I.L.W.U. received below-average marks on Bankrate's test of earnings, achieving a score of 10 out of a possible 30.
One indication that I.L.W.U. is outperforming its peers in this area was its earnings ratio of 0.00 percent in our test, higher than the average for all credit unions.