How successful a credit union is at making money affects its long-term survivability. A credit union can retain its earnings, expanding its capital cushion, or use them to address 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.
IDEAL scored 18 out of a possible 30 on Bankrate's earnings test, exceeding the national average of 10.11.
One indication that IDEAL 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.