How successful a credit union is at earning money has an effect on its safety and soundness. A credit union can retain its earnings, boosting its capital buffer, or use them to address problematic loans, likely making the credit union better prepared to withstand economic shocks. Conversely, losses reduce a credit union's ability to do those things.
On Bankrate's test of earnings, MTCU scored 4 out of a possible 30, below the national average of 10.11.
One sign that MTCU 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.