A credit union's earnings performance has an effect on its long-term survivability. Earnings may be retained by the credit union, increasing its capital buffer, or be used to address problematic loans, likely making the credit union better able to withstand financial trouble. However, credit unions that are losing money are less able to do those things.
On Bankrate's earnings test, ROUTT scored 14 out of a possible 30, exceeding the national average of 10.11.
One sign that the credit union is beating its peers in this area was its earnings ratio of 0.00 percent in our test, higher than the average for all credit unions.