How successful a credit union is at making money has an effect on its safety and soundness. Earnings may be retained by the credit union, giving a boost to its capital buffer, or be used to address problematic loans, likely making the credit union better able to withstand economic shocks. Obviously, credit unions that are losing money have less ability to do those things.
On Bankrate's test of earnings, COMMUNITY SOUTH scored 10 out of a possible 30, lower than the national average of 10.11.
COMMUNITY SOUTH had an earnings ratio of 0.00 percent in our test, above the average for all credit unions, a sign that it's outperforming its peers in this area.