A credit union's ability to earn money has an effect on its safety and soundness. Earnings may be retained by the credit union, giving a boost to its capital cushion, or be used to address problematic loans, potentially making the credit union better able to withstand financial shocks. Credit unions that are losing money, however, are less able to do those things.
N.W. IOWA received above-average marks on Bankrate's earnings test, achieving a score of 20 out of a possible 30.
One indication that N.W. IOWA 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.