A credit union's ability to earn money has an effect on its safety and soundness. Earnings can be retained by the credit union, expanding its capital buffer, or be used to address problematic loans, likely making the credit union better prepared to withstand financial trouble. Obviously, credit unions that are losing money are less able to do those things.
ARCHER HEIGHTS fell short of the national average on Bankrate's earnings test, achieving a score of 2 out of a possible 30.
One sign that ARCHER HEIGHTS is doing better than its peers in this area was its earnings ratio of 0.00 percent in our test, above the average for all credit unions.