A credit union's profitability affects its safety and soundness. A credit union can retain its earnings, giving a boost to its capital cushion, or use them to deal with problematic loans, potentially making the credit union more resilient in times of trouble. Conversely, losses diminish a credit union's ability to do those things.
On Bankrate's earnings test, MEMBERS CHOICE scored 20 out of a possible 30, above the national average of 10.11.
One indication 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.