How successful a credit union is at earning money affects its safety and soundness. Earnings may be retained by the credit union, boosting its capital cushion, or be used to address problematic loans, likely making the credit union better able to withstand financial shocks. However, credit unions that are losing money are less able to do those things.
On Bankrate's earnings test, ROUTE 1 scored 0 out of a possible 30, coming in below the national average of 10.31.
ROUTE 1 had an earnings ratio of -158.00 percent in our test, less than the average for all credit unions, an indication that it's performing behind its peers in this area.