A credit union's ability to earn money has an effect on its safety and soundness. A credit union can retain its earnings, giving a boost to its capital buffer, or use them to address problematic loans, likely making the credit union better prepared to withstand financial trouble. Losses, on the other hand, lessen a credit union's ability to do those things.
On Bankrate's earnings test, KALAMAZOO BUILDING TRADES scored 0 out of a possible 30, coming in below the national average of 10.31.
One sign that KALAMAZOO BUILDING TRADES is running behind its peers in this area was its earnings ratio of -135.00 percent in our test, less than the average for all credit unions.