How successful a credit union is at making money has an effect on its long-term survivability. Earnings may be retained by the credit union, giving a boost to its capital cushion, or be used to deal with problematic loans, likely making the credit union more resilient in times of trouble. Conversely, losses lessen a credit union's ability to do those things.
BEVERLY MUNICIPAL underperformed the average on Bankrate's test of earnings, achieving a score of 6 out of a possible 30.
BEVERLY MUNICIPAL had an earnings ratio of 0.00 percent in our test, higher than the average for all credit unions, an indication that it's outperforming its peers in this area.