A credit union's profitability affects its long-term survivability. A credit union can retain its earnings, expanding its capital buffer, or put them to work addressing problematic loans, likely making the credit union more resilient in tough times. Losses, on the other hand, take away from a credit union's ability to do those things.
On Bankrate's earnings test, GEORGIA POWER VALDOSTA scored 8 out of a possible 30, below the national average of 10.11.
GEORGIA POWER VALDOSTA had an earnings ratio of 0.00 percent in our test, above the average for all credit unions, an indication that it's running ahead of its peers in this area.