A credit union's profitability has an effect on its long-term survivability. Earnings can be retained by the credit union, expanding its capital cushion, or be used to address problematic loans, potentially making the credit union more resilient in tough times. Credit unions that are losing money, however, are less able to do those things.
DESERT FINANCIAL scored 22 out of a possible 30 on Bankrate's test of earnings, exceeding the national average of 10.11.
One sign that DESERT FINANCIAL is outperforming its peers in this area was its earnings ratio of 0.00 percent in our test, better than the average for all credit unions.