How successful a credit union is at making money affects its safety and soundness. Earnings can be retained by the credit union, expanding its capital buffer, or be used to deal with problematic loans, potentially making the credit union better able to withstand economic shocks. Losses, on the other hand, lessen a credit union's ability to do those things.
TRADEWINDS underperformed the average on Bankrate's earnings test, achieving a score of 0 out of a possible 30.
TRADEWINDS had an earnings ratio of -1.00 percent in our test, above the average for all credit unions, suggesting that it's outperforming its peers in this area.