A credit union's ability to earn money affects its long-term survivability. A credit union can retain its earnings, giving a boost to its capital cushion, or put them to work addressing problematic loans, likely making the credit union better prepared to withstand economic shocks. Losses, on the other hand, reduce a credit union's ability to do those things.
On Bankrate's earnings test, IDAHO CENTRAL scored 26 out of a possible 30, exceeding the national average of 10.11.
One sign that IDAHO CENTRAL is doing better than its peers in this area was its earnings ratio of 0.00 percent in our test, higher than the average for all credit unions.