A credit union's earnings performance has an effect on its safety and soundness. A credit union can retain its earnings, increasing its capital buffer, or use them to address problematic loans, likely making the credit union more resilient in tough times. Obviously, credit unions that are losing money have less ability to do those things.
KEL-CO received below-average marks on Bankrate's test of earnings, achieving a score of 0 out of a possible 30.
One indication that KEL-CO 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.