How successful a credit union is at earning money has an effect on its long-term survivability. Earnings may 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 better prepared to withstand economic trouble. Conversely, losses lessen a credit union's ability to do those things.
On Bankrate's earnings test, WARREN MUNICIPAL scored 0 out of a possible 30, less than the national average of 10.11.
One indication that WARREN MUNICIPAL is doing better than its peers in this area was its earnings ratio of 0.00 percent in our test, better than the average for all credit unions.