How successful a credit union is at making money affects its safety and soundness. A credit union can retain its earnings, boosting 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 earnings test, CLINCHFIELD scored 10 out of a possible 30, less than the national average of 10.11.
One sign that CLINCHFIELD is running ahead of its peers in this area was its earnings ratio of 0.00 percent in our test, above the average for all credit unions.