A credit union's profitability affects its safety and soundness. Earnings may be retained by the credit union, expanding its capital buffer, or be used to address problematic loans, potentially making the credit union better able to withstand economic shocks. Conversely, losses reduce a credit union's ability to do those things.
On Bankrate's earnings test, RIVER WORKS scored 6 out of a possible 30, below the national average of 10.31.
One sign that the credit union is beating its peers in this area was its earnings ratio of 3.00 percent in our test, above the average for all credit unions.