How successful a credit union is at earning money affects its long-term survivability. A credit union can retain its earnings, increasing its capital buffer, or use them to address problematic loans, likely making the credit union better able to withstand economic shocks. Obviously, credit unions that are losing money have less ability to do those things.
SEQUOIA did below-average on Bankrate's test of earnings, achieving a score of 4 out of a possible 30.
One indication that SEQUOIA is doing better than its peers in this area was its earnings ratio of 0.00 percent in our test, higher than the average for all credit unions.