A credit union's profitability has an effect on its long-term survivability. A credit union can retain its earnings, expanding its capital buffer, or use them to deal with problematic loans, potentially making the credit union more resilient in tough times. Obviously, credit unions that are losing money are less able to do those things.
BILLERICA MUNICIPAL EMPLOYEES scored 2 out of a possible 30 on Bankrate's earnings test, coming in below the national average of 10.11.
One indication that BILLERICA MUNICIPAL EMPLOYEES 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.