A credit union's profitability has an effect on its safety and soundness. A credit union can retain its earnings, giving a boost to its capital buffer, or put them to work addressing problematic loans, likely making the credit union better able to withstand economic trouble. Conversely, losses lessen a credit union's ability to do those things.
ACCESS COMMUNITY scored 6 out of a possible 30 on Bankrate's test of earnings, failing to reach the national average of 10.11.
ACCESS COMMUNITY had an earnings ratio of 0.00 percent in our test, above the average for all credit unions, suggesting that it's doing better than its peers in this area.