How successful a credit union is at making money affects its safety and soundness. A credit union can retain its earnings, giving a boost to its capital buffer, or use them to deal with problematic loans, likely making the credit union better able to withstand financial shocks. Conversely, losses diminish a credit union's ability to do those things.
VOCAL received below-average marks on Bankrate's earnings test, achieving a score of 6 out of a possible 30.
VOCAL had an earnings ratio of 0.00 percent in our test, better than the average for all credit unions, suggesting that it's outperforming its peers in this area.