How successful a credit union is at earning money affects its safety and soundness. Earnings can be retained by the credit union, increasing its capital cushion, or be used to address problematic loans, likely making the credit union better able to withstand economic shocks. Conversely, losses lessen a credit union's ability to do those things.
MEMBER ONE outperformed the average on Bankrate's earnings test, achieving a score of 18 out of a possible 30.
One indication that MEMBER ONE is running ahead of its peers in this area was its earnings ratio of 0.00 percent in our test, better than the average for all credit unions.