How successful a credit union is at making money affects its safety and soundness. Earnings may be retained by the credit union, increasing its capital buffer, or be used to deal with problematic loans, potentially making the credit union better prepared to withstand economic shocks. Losses, on the other hand, reduce a credit union's ability to do those things.
On Bankrate's earnings test, NAVIGANT scored 18 out of a possible 30, above the national average of 10.11.
One sign that the credit union 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.