A credit union's profitability affects its long-term survivability. Earnings may be retained by the credit union, increasing its capital buffer, or be used to deal with problematic loans, likely making the credit union better able to withstand financial trouble. Credit unions that are losing money, however, are less able to do those things.
COMMUNITY WEST scored 10 out of a possible 30 on Bankrate's test of earnings, falling short of the national average of 10.31.
One indication that the credit union is running ahead of its peers in this area was its earnings ratio of 4.00 percent in our test, better than the average for all credit unions.