How successful a credit union is at earning money affects its long-term survivability. A credit union can retain its earnings, expanding its capital buffer, or use them to address problematic loans, potentially making the credit union better prepared to withstand financial shocks. However, credit unions that are losing money are less able to do those things.
MONMOUTH fell short of the national average on Bankrate's earnings test, achieving a score of 2 out of a possible 30.
One indication that MONMOUTH 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.