A credit union's earnings performance affects its long-term survivability. A credit union can retain its earnings, giving a boost to its capital buffer, or put them to work addressing problematic loans, likely making the credit union more resilient in times of trouble. However, credit unions that are losing money have less ability to do those things.
GOWANDA AREA received above-average marks on Bankrate's test of earnings, achieving a score of 12 out of a possible 30.
One indication that GOWANDA AREA is doing better than its peers in this area was its earnings ratio of 0.00 percent in our test, above the average for all credit unions.