A credit union's ability to earn money affects its safety and soundness. A credit union can retain its earnings, giving a boost to its capital cushion, or put them to work addressing problematic loans, potentially making the credit union more resilient in tough times. However, credit unions that are losing money are less able to do those things.
MID-CITIES scored 0 out of a possible 30 on Bankrate's earnings test, less than the national average of 10.11.
The credit union had an earnings ratio of -1.00 percent in our test, above the average for all credit unions, suggesting that it's doing better than its peers in this area.