A credit union's earnings performance has an effect on its long-term survivability. Earnings can be retained by the credit union, increasing its capital buffer, or be used to deal with 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.
THINKWISE scored 4 out of a possible 30 on Bankrate's earnings test, below the national average of 10.11.
One sign that THINKWISE is doing better than its peers in this area was its earnings ratio of 0.00 percent in our test, above the average for all credit unions.