How successful a credit union is at earning money affects its long-term survivability. A credit union can retain its earnings, boosting its capital cushion, or use them to address problematic loans, potentially making the credit union better able to withstand economic shocks. However, credit unions that are losing money have less ability to do those things.
KERN scored 8 out of a possible 30 on Bankrate's earnings test, lower than the national average of 10.11.
One sign that KERN is beating its peers in this area was its earnings ratio of 0.00 percent in our test, above the average for all credit unions.