A credit union's profitability has an effect on its long-term survivability. Earnings can be retained by the credit union, giving a boost to its capital buffer, or be used to address problematic loans, likely making the credit union better able to withstand economic shocks. Credit unions that are losing money, however, have less ability to do those things.
GRACE CONGREGATIONAL CHURCH fell short of the national average on Bankrate's test of earnings, achieving a score of 0 out of a possible 30.
The credit union had an earnings ratio of 0.00 percent in our test, above the average for all credit unions, suggesting that it's outperforming its peers in this area.