How successful a credit union is at earning money affects its safety and soundness. A credit union can retain its earnings, expanding its capital cushion, or put them to work addressing problematic loans, likely making the credit union more resilient in tough times. Credit unions that are losing money, however, have less ability to do those things.
On Bankrate's test of earnings, PATRIOT scored 4 out of a possible 30, falling short of the national average of 10.11.
One indication that PATRIOT is running ahead of its peers in this area was its earnings ratio of 0.00 percent in our test, above the average for all credit unions.