A credit union's profitability has an effect on its safety and soundness. Earnings may be retained by the credit union, expanding its capital cushion, or be used to deal with problematic loans, potentially making the credit union better able to withstand economic trouble. Credit unions that are losing money, however, are less able to do those things.
NUMERICA scored 18 out of a possible 30 on Bankrate's test of earnings, better than the national average of 10.31.
One indication that NUMERICA is outperforming its peers in this area was its earnings ratio of 9.00 percent in our test, higher than the average for all credit unions.