A credit union's ability to earn money has an effect on its long-term survivability. Earnings may be retained by the credit union, expanding its capital cushion, or be used to address problematic loans, potentially making the credit union more resilient in times of trouble. Conversely, losses take away from a credit union's ability to do those things.
RURAL COOPERATIVES scored 0 out of a possible 30 on Bankrate's earnings test, falling short of the national average of 10.11.
One sign that RURAL COOPERATIVES 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.