How successful a credit union is at making money affects its long-term survivability. A credit union can retain its earnings, expanding its capital buffer, or put them to work addressing problematic loans, potentially making the credit union better prepared to withstand economic shocks. However, credit unions that are losing money are less able to do those things.
RAILWAY beat the national average on Bankrate's earnings test, achieving a score of 16 out of a possible 30.
One sign that RAILWAY is beating its peers in this area was its earnings ratio of 0.00 percent in our test, higher than the average for all credit unions.