How successful a credit union is at earning money affects its long-term survivability. A credit union can retain its earnings, boosting its capital buffer, or use them to deal with problematic loans, likely making the credit union more resilient in times of trouble. Conversely, losses take away from a credit union's ability to do those things.
On Bankrate's earnings test, SAN DIEGO METROPOLITAN scored 20 out of a possible 30, beating out the national average of 10.11.
One sign that SAN DIEGO METROPOLITAN is doing better than its peers in this area was its earnings ratio of 0.00 percent in our test, better than the average for all credit unions.