A credit union's ability to earn money has an effect on its safety and soundness. Earnings can be retained by the credit union, giving a boost to its capital cushion, or be used to address problematic loans, potentially making the credit union better prepared to withstand economic trouble. Obviously, credit unions that are losing money are less able to do those things.
On Bankrate's test of earnings, HEALTHCARE ASSOCIATES scored 10 out of a possible 30, falling short of the national average of 10.11.
One sign that HEALTHCARE ASSOCIATES is running ahead of its peers in this area was its earnings ratio of 0.00 percent in our test, above the average for all credit unions.