How successful a credit union is at making money affects its long-term survivability. Earnings may be retained by the credit union, giving a boost to its capital buffer, or be used to deal with problematic loans, likely making the credit union better able to withstand economic trouble. Conversely, losses take away from a credit union's ability to do those things.
On Bankrate's test of earnings, CENTRAL VALLEY scored 0 out of a possible 30, falling short of the national average of 10.11.
One indication that CENTRAL VALLEY 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.