A credit union's earnings performance affects its safety and soundness. Earnings can be retained by the credit union, increasing its capital buffer, or be used to address problematic loans, likely making the credit union better able to withstand financial trouble. However, credit unions that are losing money have less ability to do those things.
On Bankrate's earnings test, MEDIA CITY COMMUNITY scored 12 out of a possible 30, better than the national average of 10.31.
One indication that the credit union is outperforming its peers in this area was its earnings ratio of 6.00 percent in our test, better than the average for all credit unions.