A credit union's earnings performance affects its safety and soundness. Earnings may be retained by the credit union, expanding its capital buffer, or be used to deal with problematic loans, likely making the credit union better able to withstand financial trouble. Credit unions that are losing money, however, have less ability to do those things.
On Bankrate's test of earnings, TOLNA CO OP scored 2 out of a possible 30, failing to reach the national average of 10.11.
One sign that TOLNA CO OP 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.