How successful a credit union is at earning money affects its long-term survivability. Earnings may be retained by the credit union, boosting its capital cushion, or be used to deal with problematic loans, potentially making the credit union more resilient in times of trouble. Losses, on the other hand, diminish a credit union's ability to do those things.
On Bankrate's earnings test, LATINO COMMUNITY scored 24 out of a possible 30, exceeding the national average of 10.31.
One sign that the credit union is outperforming its peers in this area was its earnings ratio of 15.00 percent in our test, better than the average for all credit unions.