How successful a credit union is at making money has an effect on its long-term survivability. A credit union can retain its earnings, giving a boost to its capital buffer, or put them to work addressing problematic loans, likely making the credit union better prepared to withstand economic shocks. Losses, on the other hand, reduce a credit union's ability to do those things.
LANE MEMORIAL received below-average marks on Bankrate's test of earnings, achieving a score of 0 out of a possible 30.
One sign that LANE MEMORIAL is running behind its peers in this area was its earnings ratio of -3.00 percent in our test, below the average for all credit unions.