A credit union's earnings performance affects its long-term survivability. A credit union can retain its earnings, increasing its capital cushion, or use them to address problematic loans, likely making the credit union more resilient in tough times. Losses, on the other hand, reduce a credit union's ability to do those things.
NEBO scored 16 out of a possible 30 on Bankrate's earnings test, better than the national average of 10.11.
One sign that NEBO 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.