How successful a credit union is at earning money has an effect on its safety and soundness. Earnings can be retained by the credit union, giving a boost to its capital cushion, or be used to deal with problematic loans, likely making the credit union better prepared to withstand economic shocks. However, credit unions that are losing money are less able to do those things.
MONTGOMERY VA received below-average marks on Bankrate's earnings test, achieving a score of 0 out of a possible 30.
One indication that MONTGOMERY VA is underperforming its peers in this area was its earnings ratio of -5.00 percent in our test, worse than the average for all credit unions.