A credit union's profitability affects its safety and soundness. Earnings may be retained by the credit union, boosting its capital buffer, or be used to deal with problematic loans, likely making the credit union better able to withstand economic shocks. Losses, on the other hand, diminish a credit union's ability to do those things.
HARBOR POINTE did above-average on Bankrate's earnings test, achieving a score of 14 out of a possible 30.
One indication that HARBOR POINTE is outperforming its peers in this area was its earnings ratio of 0.00 percent in our test, above the average for all credit unions.