A credit union's profitability has an effect on its safety and soundness. Earnings may be retained by the credit union, boosting its capital buffer, or be used to address problematic loans, likely making the credit union more resilient in times of trouble. Conversely, losses lessen a credit union's ability to do those things.
MTC fell short of the national average on Bankrate's test of earnings, achieving a score of 10 out of a possible 30.
One sign that MTC is outperforming its peers in this area was its earnings ratio of 0.00 percent in our test, better than the average for all credit unions.