A credit union's earnings performance has an effect on its safety and soundness. A credit union can retain its earnings, expanding its capital buffer, or put them to work addressing problematic loans, likely making the credit union better able to withstand financial trouble. Losses, on the other hand, reduce a credit union's ability to do those things.
On Bankrate's earnings test, COMMUNITY C.U. OF SO. HUMBOLDT scored 24 out of a possible 30, better than the national average of 10.31.
One sign that the credit union is outperforming its peers in this area was its earnings ratio of 14.00 percent in our test, better than the average for all credit unions.