A credit union's ability to earn money affects its long-term survivability. Earnings can be retained by the credit union, giving a boost to its capital buffer, or be used to address problematic loans, potentially making the credit union better prepared to withstand financial shocks. However, credit unions that are losing money are less able to do those things.
On Bankrate's test of earnings, NOVA UA scored 0 out of a possible 30, lower than the national average of 10.31.
NOVA UA had an earnings ratio of -1.00 percent in our test, less than the average for all credit unions, suggesting that it's underperforming its peers in this area.