A credit union's ability to earn money affects its safety and soundness. Earnings can be retained by the credit union, expanding its capital buffer, or be used to address problematic loans, potentially making the credit union more resilient in times of trouble. Credit unions that are losing money, however, have less ability to do those things.
On Bankrate's earnings test, H E B scored 8 out of a possible 30, failing to reach the national average of 10.11.
One indication that H E B 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.