A credit union's ability to earn money affects its safety and soundness. A credit union can retain its earnings, expanding its capital buffer, or use them 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.
PYRAMID received below-average marks on Bankrate's earnings test, achieving a score of 4 out of a possible 30.
One indication that PYRAMID is running ahead of its peers in this area was its earnings ratio of 0.00 percent in our test, higher than the average for all credit unions.