A credit union's profitability affects its long-term survivability. Earnings can be retained by the credit union, giving a boost to its capital cushion, or be used to address problematic loans, likely making the credit union better prepared to withstand economic trouble. Conversely, losses reduce a credit union's ability to do those things.
HARVARD UNIVERSITY EMPLOYEES exceeded the national average on Bankrate's earnings test, achieving a score of 22 out of a possible 30.
One sign that HARVARD UNIVERSITY EMPLOYEES is doing better than its peers in this area was its earnings ratio of 0.00 percent in our test, better than the average for all credit unions.