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, increasing its capital buffer, or be used to deal with problematic loans, likely making the credit union better able to withstand economic trouble. Credit unions that are losing money, however, are less able to do those things.
KSW beat the national average on Bankrate's earnings test, achieving a score of 12 out of a possible 30.
One indication that KSW is running ahead of its peers in this area was its earnings ratio of 0.00 percent in our test, better than the average for all credit unions.