A credit union's profitability has an effect on its long-term survivability. A credit union can retain its earnings, expanding its capital cushion, or use them to address problematic loans, likely making the credit union better able to withstand financial shocks. Obviously, credit unions that are losing money are less able to do those things.
On Bankrate's earnings test, PICATINNY scored 8 out of a possible 30, failing to reach the national average of 10.11.
One sign that PICATINNY is outperforming its peers in this area was its earnings ratio of 0.00 percent in our test, better than the average for all credit unions.