A credit union's earnings performance affects its safety and soundness. A credit union can retain its earnings, expanding its capital cushion, or put them to work addressing problematic loans, potentially making the credit union more resilient in times of trouble. Credit unions that are losing money, however, have less ability to do those things.
THRIVE fell behind the national average on Bankrate's earnings test, achieving a score of 6 out of a possible 30.
One sign that THRIVE is running ahead of its peers in this area was its earnings ratio of 0.00 percent in our test, above the average for all credit unions.