A credit union's ability to earn money has an effect on its safety and soundness. Earnings may be retained by the credit union, boosting its capital cushion, or be used to address problematic loans, likely making the credit union better prepared to withstand economic trouble. Losses, on the other hand, take away from a credit union's ability to do those things.
KRAFTMAN scored 8 out of a possible 30 on Bankrate's test of earnings, failing to reach the national average of 10.11.
One sign that KRAFTMAN 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.