How successful a credit union is at making money has an effect on its long-term survivability. Earnings can be retained by the credit union, boosting its capital cushion, or be used to deal with problematic loans, likely making the credit union more resilient in times of trouble. Credit unions that are losing money, however, have less ability to do those things.
PACIFIC TRANSPORTATION fell short of the national average on Bankrate's earnings test, achieving a score of 2 out of a possible 30.
PACIFIC TRANSPORTATION had an earnings ratio of 0.00 percent in our test, higher than the average for all credit unions, a sign that it's outperforming its peers in this area.