How successful a credit union is at making money has an effect on its safety and soundness. Earnings can be retained by the credit union, expanding its capital buffer, or be used to deal with 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.
ELGIN MENTAL HEALTH CENTER received below-average marks on Bankrate's earnings test, achieving a score of 0 out of a possible 30.
ELGIN MENTAL HEALTH CENTER had an earnings ratio of 0.00 percent in our test, above the average for all credit unions, an indication that it's beating its peers in this area.