How successful a credit union is at making money affects its safety and soundness. Earnings can be retained by the credit union, increasing its capital cushion, or be used to address problematic loans, likely making the credit union better able to withstand financial trouble. Conversely, losses reduce a credit union's ability to do those things.
RIVERMARK COMMUNITY scored 10 out of a possible 30 on Bankrate's earnings test, below the national average of 10.31.
The credit union had an earnings ratio of 5.00 percent in our test, higher than the average for all credit unions, an indication that it's doing better than its peers in this area.