How successful a credit union is at earning money affects its long-term survivability. Earnings can be retained by the credit union, boosting its capital buffer, or be used to address problematic loans, potentially making the credit union better able to withstand economic shocks. However, credit unions that are losing money are less able to do those things.
On Bankrate's earnings test, U. F. C. W. LOCAL #72 scored 4 out of a possible 30, coming in below the national average of 10.11.
One indication that U. F. C. W. LOCAL #72 is beating its peers in this area was its earnings ratio of 0.00 percent in our test, higher than the average for all credit unions.