How successful a credit union is at making money affects its safety and soundness. 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 economic trouble. Conversely, losses diminish a credit union's ability to do those things.
On Bankrate's test of earnings, ON THE GRID FINANCIAL scored 2 out of a possible 30, falling short of the national average of 10.11.
ON THE GRID FINANCIAL had an earnings ratio of 0.00 percent in our test, above the average for all credit unions, suggesting that it's beating its peers in this area.