A credit union's ability to earn money has an effect on its long-term survivability. A credit union can retain its earnings, giving a boost to its capital cushion, or put them to work addressing problematic loans, likely making the credit union more resilient in times of trouble. Credit unions that are losing money, however, have less ability to do those things.
On Bankrate's test of earnings, SHAREPOINT scored 8 out of a possible 30, below the national average of 10.11.
One sign that SHAREPOINT is beating its peers in this area was its earnings ratio of 0.00 percent in our test, better than the average for all credit unions.