How successful a credit union is at earning money has an effect on its long-term survivability. A credit union can retain its earnings, increasing its capital buffer, or use them to address problematic loans, likely making the credit union more resilient in times of trouble. Obviously, credit unions that are losing money have less ability to do those things.
RIVERDALE scored 0 out of a possible 30 on Bankrate's earnings test, falling short of the national average of 10.31.
RIVERDALE had an earnings ratio of 1,296.00 percent in our test, higher than the average for all credit unions, a sign that it's running ahead of its peers in this area.