How successful a credit union is at making money affects its safety and soundness. Earnings may be retained by the credit union, increasing its capital buffer, or be used to address problematic loans, potentially making the credit union better able to withstand financial shocks. Losses, on the other hand, diminish a credit union's ability to do those things.
On Bankrate's earnings test, RAVENSWOOD scored 4 out of a possible 30, failing to reach the national average of 10.11.
One sign that RAVENSWOOD is doing better than its peers in this area was its earnings ratio of 0.00 percent in our test, higher than the average for all credit unions.