A credit union's ability to earn money has an effect on its long-term survivability. Earnings can be retained by the credit union, increasing its capital cushion, or be used to deal with problematic loans, potentially making the credit union more resilient in times of trouble. However, credit unions that are losing money are less able to do those things.
On Bankrate's earnings test, DESERT COMMUNITIES scored 0 out of a possible 30, failing to reach the national average of 10.11.
One indication that the credit union 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.