A credit union's earnings performance affects its long-term survivability. Earnings can be retained by the credit union, boosting its capital buffer, or be used to deal with problematic loans, likely making the credit union better prepared to withstand financial trouble. Losses, on the other hand, lessen a credit union's ability to do those things.
GULF COAST COMMUNITY scored 16 out of a possible 30 on Bankrate's test of earnings, beating the national average of 10.31.
One sign that GULF COAST COMMUNITY is beating its peers in this area was its earnings ratio of 8.00 percent in our test, higher than the average for all credit unions.