How successful a credit union is at earning money has an effect on its safety and soundness. A credit union can retain its earnings, expanding its capital cushion, or put them to work addressing problematic loans, likely making the credit union better able to withstand financial shocks. Obviously, credit unions that are losing money have less ability to do those things.
On Bankrate's earnings test, RAFE scored 0 out of a possible 30, lower than the national average of 10.31.
RAFE had an earnings ratio of -41.00 percent in our test, lower than the average for all credit unions, suggesting that it's underperforming its peers in this area.