A credit union's profitability has an effect on its safety and soundness. Earnings may be retained by the credit union, increasing its capital buffer, or be used to deal with problematic loans, potentially making the credit union more resilient in times of trouble. Credit unions that are losing money, however, are less able to do those things.
On Bankrate's test of earnings, POWERCO scored 4 out of a possible 30, lower than the national average of 10.11.
One sign that POWERCO is outperforming its peers in this area was its earnings ratio of 0.00 percent in our test, higher than the average for all credit unions.