How successful a credit union is at earning money has an effect on its long-term survivability. Earnings can be retained by the credit union, increasing its capital buffer, or be used to deal with problematic loans, likely making the credit union more resilient in times of trouble. Obviously, credit unions that are losing money have less ability to do those things.
JOURNEY scored 14 out of a possible 30 on Bankrate's test of earnings, exceeding the national average of 10.11.
One indication that JOURNEY is outperforming its peers in this area was its earnings ratio of 0.00 percent in our test, better than the average for all credit unions.