How successful a credit union is at making money has an effect on its safety and soundness. A credit union can retain its earnings, expanding its capital cushion, or put them to work addressing problematic loans, potentially making the credit union better able to withstand financial trouble. Losses, on the other hand, reduce a credit union's ability to do those things.
On Bankrate's test of earnings, OHIO VALLEY COMMUNITY scored 14 out of a possible 30, above the national average of 10.31.
The credit union had an earnings ratio of 7.00 percent in our test, better than the average for all credit unions, a sign that it's outperforming its peers in this area.