How successful a credit union is at earning money has an effect on its long-term survivability. Earnings may be retained by the credit union, boosting its capital cushion, or be used to address problematic loans, potentially making the credit union more resilient in tough times. Losses, on the other hand, diminish a credit union's ability to do those things.
TBC exceeded the national average on Bankrate's earnings test, achieving a score of 24 out of a possible 30.
One indication that TBC 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.