How successful a credit union is at earning money has an effect on its safety and soundness. A credit union can retain its earnings, increasing its capital buffer, or use them to deal with problematic loans, likely making the credit union better prepared to withstand financial trouble. Losses, on the other hand, lessen a credit union's ability to do those things.
LAKOTA scored 30 out of a possible 30 on Bankrate's test of earnings, above the national average of 10.11.
The credit union had an earnings ratio of 0.00 percent in our test, higher than the average for all credit unions, suggesting that it's running ahead of its peers in this area.