How successful a credit union is at earning money has an effect on its long-term survivability. Earnings may be retained by the credit union, giving a boost to its capital cushion, or be used to address problematic loans, potentially making the credit union more resilient in tough times. Conversely, losses take away from a credit union's ability to do those things.
PATELCO received above-average marks on Bankrate's earnings test, achieving a score of 18 out of a possible 30.
The credit union had an earnings ratio of 8.00 percent in our test, above the average for all credit unions, suggesting that it's outperforming its peers in this area.