A credit union's earnings performance has an effect on its safety and soundness. A credit union can retain its earnings, expanding its capital buffer, or use them to address problematic loans, likely making the credit union more resilient in tough times. Obviously, credit unions that are losing money have less ability to do those things.
On Bankrate's test of earnings, EASTERN PANHANDLE scored 6 out of a possible 30, less than the national average of 10.11.
One sign that EASTERN PANHANDLE is beating its peers in this area was its earnings ratio of 0.00 percent in our test, better than the average for all credit unions.