A credit union's ability to earn money has an effect on its safety and soundness. Earnings can be retained by the credit union, increasing its capital buffer, or be used to address problematic loans, potentially making the credit union better prepared to withstand financial shocks. Credit unions that are losing money, however, have less ability to do those things.
On Bankrate's test of earnings, MIDWEST FAMILY scored 6 out of a possible 30, below the national average of 10.11.
One indication that MIDWEST FAMILY is beating its peers in this area was its earnings ratio of 0.00 percent in our test, above the average for all credit unions.