How successful a credit union is at earning money has an effect on its safety and soundness. A credit union can retain its earnings, expanding its capital cushion, or put them to work addressing problematic loans, likely making the credit union better able to withstand financial shocks. Obviously, credit unions that are losing money have less ability to do those things.
HTM AREA scored 20 out of a possible 30 on Bankrate's test of earnings, exceeding the national average of 10.31.
One sign that HTM AREA is outperforming its peers in this area was its earnings ratio of 12.00 percent in our test, higher than the average for all credit unions.