A credit union's ability to earn money affects its long-term survivability. A credit union can retain its earnings, increasing its capital buffer, or use them to deal with problematic loans, likely making the credit union more resilient in times of trouble. Losses, on the other hand, lessen a credit union's ability to do those things.
On Bankrate's test of earnings, BETHANY BAPTIST CHRISTIAN scored 0 out of a possible 30, less than the national average of 10.11.
One sign that BETHANY BAPTIST CHRISTIAN is running ahead of its peers in this area was its earnings ratio of 0.00 percent in our test, better than the average for all credit unions.