A credit union's profitability affects its long-term survivability. Earnings can be retained by the credit union, giving a boost to its capital buffer, or be used to address problematic loans, likely making the credit union better able to withstand economic shocks. Losses, on the other hand, take away from a credit union's ability to do those things.
UNITED beat the national average on Bankrate's earnings test, achieving a score of 20 out of a possible 30.
One indication that UNITED is beating its peers in this area was its earnings ratio of 10.00 percent in our test, above the average for all credit unions.