How successful a credit union is at making money has an effect on its long-term survivability. Earnings can be retained by the credit union, giving a boost to its capital buffer, or be used to deal with problematic loans, potentially making the credit union more resilient in tough times. However, credit unions that are losing money are less able to do those things.
On Bankrate's earnings test, EASTPOINTE COMMUNITY scored 4 out of a possible 30, lower than the national average of 10.11.
EASTPOINTE COMMUNITY had an earnings ratio of 0.00 percent in our test, above the average for all credit unions, a sign that it's beating its peers in this area.