How successful a credit union is at making money affects its safety and soundness. Earnings may be retained by the credit union, expanding its capital buffer, or be used to address problematic loans, likely making the credit union better prepared to withstand financial shocks. Obviously, credit unions that are losing money are less able to do those things.
GOLDEN VALLEY fell behind the national average on Bankrate's earnings test, achieving a score of 2 out of a possible 30.
GOLDEN VALLEY had an earnings ratio of 1.00 percent in our test, equal to the average for all credit unions, a sign that it's right in line with its peers in this area.