A credit union's ability to earn money affects its long-term survivability. A credit union can retain its earnings, boosting its capital buffer, or use them to address problematic loans, likely making the credit union better prepared to withstand financial shocks. Losses, on the other hand, reduce a credit union's ability to do those things.
BEREA scored 0 out of a possible 30 on Bankrate's test of earnings, lower than the national average of 10.11.
One sign that BEREA is doing better than its peers in this area was its earnings ratio of 0.00 percent in our test, higher than the average for all credit unions.