A credit union's ability to earn money has an effect on its safety and soundness. Earnings may be retained by the credit union, increasing its capital cushion, or be used to address problematic loans, potentially making the credit union better able to withstand economic shocks. Losses, on the other hand, reduce a credit union's ability to do those things.
MADCO fell short of the national average on Bankrate's earnings test, achieving a score of 0 out of a possible 30.
MADCO had an earnings ratio of -14.00 percent in our test, lower than the average for all credit unions, suggesting that it's running behind its peers in this area.