How successful a credit union is at making money affects its long-term survivability. Earnings may be retained by the credit union, giving a boost to its capital buffer, or be used to deal with problematic loans, likely making the credit union more resilient in times of trouble. Losses, on the other hand, diminish a credit union's ability to do those things.
SHELTER INSURANCE fell behind the national average on Bankrate's test of earnings, achieving a score of 8 out of a possible 30.
One sign that SHELTER INSURANCE 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.