How successful a credit union is at earning money affects its long-term survivability. A credit union can retain its earnings, expanding its capital buffer, or put them to work addressing problematic loans, potentially making the credit union more resilient in times of trouble. Conversely, losses diminish a credit union's ability to do those things.
On Bankrate's earnings test, EMERALD COAST scored 12 out of a possible 30, exceeding the national average of 10.11.
One indication that EMERALD COAST is doing better than its peers in this area was its earnings ratio of 0.00 percent in our test, higher than the average for all credit unions.