How successful a credit union is at earning money affects its long-term survivability. Earnings may be retained by the credit union, giving a boost to its capital cushion, or be used to deal with problematic loans, likely making the credit union better able to withstand financial shocks. Obviously, credit unions that are losing money have less ability to do those things.
On Bankrate's earnings test, ARROWHEAD CENTRAL scored 18 out of a possible 30, beating the national average of 10.31.
One indication that ARROWHEAD CENTRAL is running ahead of its peers in this area was its earnings ratio of 9.00 percent in our test, higher than the average for all credit unions.