A credit union's ability to earn money has an effect on its safety and soundness. Earnings may be retained by the credit union, boosting its capital buffer, or be used to address problematic loans, potentially making the credit union more resilient in times of trouble. However, credit unions that are losing money are less able to do those things.
INGERSOLL-RAND scored 4 out of a possible 30 on Bankrate's test of earnings, below the national average of 10.11.
One indication that INGERSOLL-RAND 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.