A credit union's earnings performance has an effect on its safety and soundness. Earnings may be retained by the credit union, boosting its capital cushion, or be used to deal with problematic loans, potentially making the credit union better prepared to withstand economic shocks. However, credit unions that are losing money are less able to do those things.
On Bankrate's earnings test, DESERTVIEW scored 10 out of a possible 30, coming in below the national average of 10.11.
One indication that DESERTVIEW is doing better than its peers in this area was its earnings ratio of 0.00 percent in our test, better than the average for all credit unions.