How successful a credit union is at making money affects 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. Credit unions that are losing money, however, are less able to do those things.
PERU MUNICIPAL scored 8 out of a possible 30 on Bankrate's earnings test, failing to reach the national average of 10.31.
PERU MUNICIPAL had an earnings ratio of 4.00 percent in our test, higher than the average for all credit unions, suggesting that it's beating its peers in this area.