How successful a credit union is at earning money affects its long-term survivability. Earnings can be retained by the credit union, increasing its capital cushion, or be used to address problematic loans, likely making the credit union more resilient in tough times. Conversely, losses lessen a credit union's ability to do those things.
EMERALD CREDIT ASSOCIATION scored 8 out of a possible 30 on Bankrate's test of earnings, coming in below the national average of 10.11.
EMERALD CREDIT ASSOCIATION had an earnings ratio of 0.00 percent in our test, above the average for all credit unions, suggesting that it's beating its peers in this area.