A credit union's ability to earn money has an effect on its long-term survivability. Earnings may be retained by the credit union, expanding its capital buffer, or be used to address problematic loans, potentially making the credit union better prepared to withstand economic shocks. Obviously, credit unions that are losing money have less ability to do those things.
On Bankrate's earnings test, NORTHERN scored 14 out of a possible 30, beating out the national average of 10.11.
One sign that NORTHERN is outperforming its peers in this area was its earnings ratio of 0.00 percent in our test, above the average for all credit unions.