How successful a credit union is at earning money affects its long-term survivability. Earnings can be retained by the credit union, expanding its capital cushion, or be used to address problematic loans, likely making the credit union more resilient in tough times. However, credit unions that are losing money have less ability to do those things.
On Bankrate's test of earnings, MEMBERS CHOICE scored 10 out of a possible 30, failing to reach the national average of 10.11.
One sign that MEMBERS CHOICE 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.