How successful a credit union is at making money affects its long-term survivability. Earnings can 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 financial shocks. Conversely, losses take away from a credit union's ability to do those things.
LAKESHORE COMMUNITY scored 0 out of a possible 30 on Bankrate's earnings test, failing to reach the national average of 10.31.
LAKESHORE COMMUNITY had an earnings ratio of -9.00 percent in our test, worse than the average for all credit unions, suggesting that it's running behind its peers in this area.