A credit union's profitability affects its safety and soundness. A credit union can retain its earnings, giving a boost to its capital cushion, or use them to address problematic loans, potentially making the credit union more resilient in tough times. Losses, on the other hand, reduce a credit union's ability to do those things.
On Bankrate's earnings test, MINERVA AREA scored 0 out of a possible 30, less than the national average of 10.31.
One sign that MINERVA AREA is running behind its peers in this area was its earnings ratio of -2.00 percent in our test, lower than the average for all credit unions.