How successful a credit union is at earning money has an effect on its long-term survivability. A credit union can retain its earnings, expanding its capital cushion, or put them to work addressing problematic loans, potentially making the credit union more resilient in tough times. Losses, on the other hand, take away from a credit union's ability to do those things.
NIAGARA REGIONAL scored 4 out of a possible 30 on Bankrate's earnings test, coming in below the national average of 10.11.
One sign that NIAGARA REGIONAL 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.