How successful a credit union is at making money has an effect on its long-term survivability. A credit union can retain its earnings, boosting its capital buffer, or put them to work addressing problematic loans, potentially making the credit union better prepared to withstand economic trouble. Losses, on the other hand, reduce a credit union's ability to do those things.
P A T A scored 8 out of a possible 30 on Bankrate's test of earnings, coming in below the national average of 10.11.
One indication that P A T A is doing better than its peers in this area was its earnings ratio of 0.00 percent in our test, above the average for all credit unions.