A credit union's earnings performance has an effect on its safety and soundness. Earnings can be retained by the credit union, expanding its capital buffer, or be used to address problematic loans, potentially making the credit union better able to withstand economic shocks. Conversely, losses take away from a credit union's ability to do those things.
On Bankrate's earnings test, TONAWANDA VALLEY scored 14 out of a possible 30, above the national average of 10.11.
TONAWANDA VALLEY had an earnings ratio of 0.00 percent in our test, higher than the average for all credit unions, an indication that it's beating its peers in this area.