A credit union's earnings performance affects its safety and soundness. A credit union can retain its earnings, giving a boost to its capital buffer, or use them to address problematic loans, likely making the credit union better able to withstand financial trouble. Losses, on the other hand, diminish a credit union's ability to do those things.
On Bankrate's test of earnings, AREA COMMUNITY scored 10 out of a possible 30, failing to reach the national average of 10.31.
AREA COMMUNITY had an earnings ratio of 5.00 percent in our test, higher than the average for all credit unions, a sign that it's doing better than its peers in this area.