A credit union's profitability affects its safety and soundness. Earnings may be retained by the credit union, boosting its capital buffer, or be used to address problematic loans, potentially making the credit union more resilient in tough times. Credit unions that are losing money, however, have less ability to do those things.
On Bankrate's earnings test, NAVY ARMY COMMUNITY scored 16 out of a possible 30, above the national average of 10.31.
NAVY ARMY COMMUNITY had an earnings ratio of 7.00 percent in our test, higher than the average for all credit unions, an indication that it's doing better than its peers in this area.