A credit union's profitability has an effect on its safety and soundness. Earnings may be retained by the credit union, giving a boost to its capital cushion, or be used to deal with problematic loans, likely making the credit union better able to withstand financial trouble. Obviously, credit unions that are losing money have less ability to do those things.
On Bankrate's earnings test, UNITED HERITAGE scored 18 out of a possible 30, beating the national average of 10.31.
The credit union had an earnings ratio of 8.00 percent in our test, better than the average for all credit unions, suggesting that it's beating its peers in this area.