A credit union's profitability affects its long-term survivability. Earnings can be retained by the credit union, expanding its capital cushion, or be used to address problematic loans, potentially making the credit union better able to withstand economic shocks. Conversely, losses reduce a credit union's ability to do those things.
PINNACLE scored 0 out of a possible 30 on Bankrate's test of earnings, failing to reach the national average of 10.11.
One sign that PINNACLE is outperforming its peers in this area was its earnings ratio of 0.00 percent in our test, above the average for all credit unions.