A credit union's ability to earn money affects its safety and soundness. Earnings can be retained by the credit union, giving a boost to its capital buffer, or be used to deal with problematic loans, potentially making the credit union better prepared to withstand economic trouble. Losses, on the other hand, diminish a credit union's ability to do those things.
On Bankrate's earnings test, ROSE CITY scored 12 out of a possible 30, beating the national average of 10.31.
One sign that the credit union is outperforming its peers in this area was its earnings ratio of 6.00 percent in our test, better than the average for all credit unions.