A credit union's profitability affects its long-term survivability. A credit union can retain its earnings, expanding its capital cushion, or use them to address problematic loans, potentially making the credit union better prepared to withstand financial trouble. Credit unions that are losing money, however, have less ability to do those things.
NODA fell short of the national average on Bankrate's test of earnings, achieving a score of 2 out of a possible 30.
One indication that NODA is doing better than its peers in this area was its earnings ratio of 0.00 percent in our test, better than the average for all credit unions.