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, increasing its capital cushion, or be used to deal with problematic loans, likely making the credit union more resilient in tough times. Losses, on the other hand, reduce a credit union's ability to do those things.
On Bankrate's earnings test, CUMBERLAND COUNTY scored 16 out of a possible 30, exceeding the national average of 10.11.
One sign that CUMBERLAND COUNTY is beating its peers in this area was its earnings ratio of 0.00 percent in our test, higher than the average for all credit unions.