A credit union's ability to earn money affects its long-term survivability. A credit union can retain its earnings, increasing its capital buffer, or put them to work addressing problematic loans, likely 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 test of earnings, PARTNERS FINANCIAL scored 0 out of a possible 30, failing to reach the national average of 10.31.
PARTNERS FINANCIAL had an earnings ratio of -3.00 percent in our test, below the average for all credit unions, a sign that it's lagging behind its peers in this area.