How successful a credit union is at earning money has an effect on its long-term survivability. Earnings can be retained by the credit union, giving a boost to its capital cushion, or be used to address problematic loans, likely making the credit union more resilient in times of trouble. Obviously, credit unions that are losing money have less ability to do those things.
On Bankrate's test of earnings, WEBSTER CITY MUNICIPAL scored 4 out of a possible 30, less than the national average of 10.31.
WEBSTER CITY MUNICIPAL had an earnings ratio of 1.00 percent in our test, equal to the average for all credit unions, suggesting that it's running neck and neck with its peers in this area.