A credit union's earnings performance has an effect on its long-term survivability. Earnings can be retained by the credit union, boosting its capital buffer, or be used to deal with problematic loans, likely making the credit union better able to withstand economic trouble. Losses, on the other hand, diminish a credit union's ability to do those things.
BEACH MUNICIPAL scored 10 out of a possible 30 on Bankrate's earnings test, below the national average of 10.11.
One sign that BEACH MUNICIPAL is beating its peers in this area was its earnings ratio of 0.00 percent in our test, higher than the average for all credit unions.