A credit union's profitability affects its long-term survivability. A credit union can retain its earnings, expanding its capital cushion, or put them to work addressing problematic loans, likely making the credit union more resilient in tough times. Losses, on the other hand, diminish a credit union's ability to do those things.
UNIFY FINANCIAL received below-average marks on Bankrate's test of earnings, achieving a score of 0 out of a possible 30.
One sign that UNIFY FINANCIAL is lagging behind its peers in this area was its earnings ratio of 0.00 percent in our test, below the average for all credit unions.