A credit union's earnings performance has an effect on its safety and soundness. Earnings can be retained by the credit union, increasing its capital cushion, or be used to deal with problematic loans, likely making the credit union more resilient in tough times. Losses, on the other hand, diminish a credit union's ability to do those things.
On Bankrate's test of earnings, LIBERTYONE scored 8 out of a possible 30, less than the national average of 10.11.
LIBERTYONE had an earnings ratio of 0.00 percent in our test, higher than the average for all credit unions, suggesting that it's outperforming its peers in this area.