A credit union's earnings performance affects its long-term survivability. Earnings can be retained by the credit union, giving a boost to its capital buffer, or be used to deal with problematic loans, likely making the credit union more resilient in tough times. However, credit unions that are losing money have less ability to do those things.
U. S. I. did below-average on Bankrate's test of earnings, achieving a score of 4 out of a possible 30.
One indication that U. S. I. is beating its peers in this area was its earnings ratio of 0.00 percent in our test, above the average for all credit unions.