A credit union's ability to earn money affects its long-term survivability. Earnings can be retained by the credit union, increasing its capital buffer, or be used to address problematic loans, potentially making the credit union more resilient in times of trouble. Credit unions that are losing money, however, have less ability to do those things.
On Bankrate's test of earnings, VACATIONLAND scored 16 out of a possible 30, beating out the national average of 10.11.
One indication that VACATIONLAND 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.