A credit union's earnings performance affects its safety and soundness. A credit union can retain its earnings, expanding its capital buffer, or use them to address problematic loans, potentially making the credit union better able to withstand financial shocks. However, credit unions that are losing money are less able to do those things.
SALINA RAILROAD scored 12 out of a possible 30 on Bankrate's test of earnings, exceeding the national average of 10.11.
SALINA RAILROAD had an earnings ratio of 0.00 percent in our test, better than the average for all credit unions, a sign that it's doing better than its peers in this area.