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, boosting its capital cushion, 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.
On Bankrate's earnings test, KELLOGG COMMUNITY scored 18 out of a possible 30, beating the national average of 10.11.
One sign that KELLOGG COMMUNITY is outperforming its peers in this area was its earnings ratio of 0.00 percent in our test, above the average for all credit unions.