A credit union's ability to earn money affects its safety and soundness. Earnings can be retained by the credit union, increasing its capital buffer, or be used to address problematic loans, potentially making the credit union better prepared to withstand financial shocks. Losses, on the other hand, diminish a credit union's ability to do those things.
On Bankrate's earnings test, HANSCOM scored 18 out of a possible 30, above the national average of 10.11.
One sign that HANSCOM is beating its peers in this area was its earnings ratio of 0.00 percent in our test, better than the average for all credit unions.