How successful a credit union is at making money has an effect on its safety and soundness. Earnings can be retained by the credit union, increasing its capital buffer, or be used to address problematic loans, likely making the credit union better prepared to withstand economic trouble. Losses, on the other hand, diminish a credit union's ability to do those things.
OAK POINT EMPLOYEES received above-average marks on Bankrate's earnings test, achieving a score of 16 out of a possible 30.
The credit union had an earnings ratio of 0.00 percent in our test, above the average for all credit unions, suggesting that it's doing better than its peers in this area.