How successful a credit union is at earning money has an effect on its safety and soundness. A credit union can retain its earnings, increasing its capital cushion, or put them to work addressing problematic loans, likely making the credit union better able to withstand economic trouble. However, credit unions that are losing money have less ability to do those things.
HEARTLAND scored 16 out of a possible 30 on Bankrate's test of earnings, beating out the national average of 10.11.
One sign that the credit union 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.