A credit union's profitability has an effect on its safety and soundness. A credit union can retain its earnings, increasing its capital buffer, or put them to work addressing problematic loans, potentially making the credit union better able to withstand economic trouble. Obviously, credit unions that are losing money have less ability to do those things.
BAYER HERITAGE scored 8 out of a possible 30 on Bankrate's test of earnings, less than the national average of 10.11.
BAYER HERITAGE had an earnings ratio of 0.00 percent in our test, above the average for all credit unions, suggesting that it's outperforming its peers in this area.