A credit union's profitability affects its long-term survivability. Earnings may be retained by the credit union, giving a boost to its capital cushion, or be used to address problematic loans, potentially making the credit union more resilient in times of trouble. Conversely, losses reduce a credit union's ability to do those things.
On Bankrate's earnings test, FINANCIAL HEALTH scored 0 out of a possible 30, less than the national average of 10.11.
FINANCIAL HEALTH had an earnings ratio of 0.00 percent in our test, better than the average for all credit unions, an indication that it's beating its peers in this area.