A credit union's earnings performance has an effect on its safety and soundness. A credit union can retain its earnings, increasing its capital cushion, or use them to deal with problematic loans, likely making the credit union better able to withstand financial shocks. Obviously, credit unions that are losing money have less ability to do those things.
On Bankrate's earnings test, MASS. INSTITUTE OF TECH. scored 20 out of a possible 30, better than the national average of 10.11.
MASS. INSTITUTE OF TECH. had an earnings ratio of 0.00 percent in our test, better than the average for all credit unions, suggesting that it's outperforming its peers in this area.