A credit union's ability to earn money affects its long-term survivability. A credit union can retain its earnings, increasing its capital cushion, or use them to address problematic loans, potentially making the credit union better able to withstand financial trouble. Losses, on the other hand, diminish a credit union's ability to do those things.
PENNSTAR scored 2 out of a possible 30 on Bankrate's test of earnings, coming in below the national average of 10.11.
PENNSTAR had an earnings ratio of 0.00 percent in our test, above the average for all credit unions, suggesting that it's beating its peers in this area.