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 deal with problematic loans, potentially making the credit union more resilient in tough times. Conversely, losses lessen a credit union's ability to do those things.
On Bankrate's earnings test, TERMINAL scored 10 out of a possible 30, falling short of the national average of 10.11.
One sign that TERMINAL 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.