How successful a credit union is at making money has an effect on its long-term survivability. A credit union can retain its earnings, boosting its capital buffer, or use them to address problematic loans, potentially making the credit union more resilient in times of trouble. Losses, on the other hand, take away from a credit union's ability to do those things.
KRD scored 14 out of a possible 30 on Bankrate's test of earnings, above the national average of 10.11.
One sign that KRD is beating its peers in this area was its earnings ratio of 0.00 percent in our test, better than the average for all credit unions.