How successful a credit union is at earning money affects its long-term survivability. A credit union can retain its earnings, increasing its capital buffer, or use them to deal with 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.
On Bankrate's earnings test, NORTHWEST MISSOURI REGIONAL scored 12 out of a possible 30, better than the national average of 10.11.
One indication that NORTHWEST MISSOURI REGIONAL is outperforming its peers in this area was its earnings ratio of 0.00 percent in our test, higher than the average for all credit unions.