How successful a credit union is at earning money has an effect on its long-term survivability. Earnings can be retained by the credit union, boosting its capital cushion, or be used to address problematic loans, potentially making the credit union better able to withstand financial trouble. Losses, on the other hand, reduce a credit union's ability to do those things.
RAILROAD & INDUSTRIAL received above-average marks on Bankrate's earnings test, achieving a score of 12 out of a possible 30.
One indication that RAILROAD & INDUSTRIAL 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.