A credit union's ability to earn money has an effect on its long-term survivability. Earnings may be retained by the credit union, expanding its capital cushion, or be used to address problematic loans, likely making the credit union better prepared to withstand financial trouble. Conversely, losses reduce a credit union's ability to do those things.
On Bankrate's test of earnings, K.U.M.C. scored 10 out of a possible 30, coming in below the national average of 10.11.
One sign that K.U.M.C. is running ahead of its peers in this area was its earnings ratio of 0.00 percent in our test, above the average for all credit unions.