A credit union's profitability has an effect on its long-term survivability. Earnings can be retained by the credit union, increasing its capital buffer, or be used to deal with problematic loans, potentially making the credit union better prepared to withstand financial trouble. Credit unions that are losing money, however, are less able to do those things.
On Bankrate's earnings test, HERITAGE COMMUNITY scored 8 out of a possible 30, lower than the national average of 10.31.
HERITAGE COMMUNITY had an earnings ratio of 4.00 percent in our test, above the average for all credit unions, an indication that it's doing better than its peers in this area.