How successful a credit union is at making money affects its safety and soundness. A credit union can retain its earnings, boosting its capital cushion, or use them to address problematic loans, likely making the credit union better prepared to withstand economic shocks. Losses, on the other hand, reduce a credit union's ability to do those things.
On Bankrate's earnings test, GENERATIONS COMMUNITY scored 0 out of a possible 30, lower than the national average of 10.31.
GENERATIONS COMMUNITY had an earnings ratio of -7.00 percent in our test, below the average for all credit unions, an indication that it's lagging behind its peers in this area.