A credit union's profitability has an effect on its long-term survivability. A credit union can retain its earnings, giving a boost to its capital buffer, or put them to work addressing problematic loans, likely making the credit union better able to withstand economic trouble. Losses, on the other hand, lessen a credit union's ability to do those things.
COMMUNITY SERVICE scored 10 out of a possible 30 on Bankrate's earnings test, coming in below the national average of 10.11.
One sign that COMMUNITY SERVICE is doing better than its peers in this area was its earnings ratio of 0.00 percent in our test, above the average for all credit unions.