How successful a credit union is at earning money affects its safety and soundness. Earnings can be retained by the credit union, giving a boost to its capital cushion, or be used to deal with problematic loans, likely making the credit union better able to withstand financial shocks. Losses, on the other hand, take away from a credit union's ability to do those things.
MEMBERS CHOICE fell short of the national average on Bankrate's earnings test, achieving a score of 6 out of a possible 30.
One indication that MEMBERS CHOICE is beating its peers in this area was its earnings ratio of 0.00 percent in our test, higher than the average for all credit unions.