A credit union's profitability affects its long-term survivability. Earnings may be retained by the credit union, increasing its capital buffer, or be used to deal with problematic loans, potentially making the credit union better prepared to withstand economic trouble. Losses, on the other hand, lessen a credit union's ability to do those things.
ONE TWENTY underperformed the average on Bankrate's test of earnings, achieving a score of 2 out of a possible 30.
One sign that the credit union is beating its peers in this area was its earnings ratio of 0.00 percent in our test, above the average for all credit unions.