A credit union's ability to earn money affects its safety and soundness. A credit union can retain its earnings, giving a boost to its capital buffer, or put them to work addressing problematic loans, potentially making the credit union more resilient in tough times. Losses, on the other hand, diminish a credit union's ability to do those things.
READING scored 0 out of a possible 30 on Bankrate's test of earnings, less than the national average of 10.31.
READING had an earnings ratio of -5.00 percent in our test, below the average for all credit unions, an indication that it's lagging behind its peers in this area.