A credit union's earnings performance has an effect on its long-term survivability. Earnings may be retained by the credit union, boosting its capital cushion, or be used to address problematic loans, potentially making the credit union more resilient in tough times. Conversely, losses diminish a credit union's ability to do those things.
On Bankrate's earnings test, COMMUNITY scored 0 out of a possible 30, coming in below the national average of 10.11.
COMMUNITY had an earnings ratio of 0.00 percent in our test, better than the average for all credit unions, a sign that it's beating its peers in this area.