A credit union's profitability affects its safety and soundness. Earnings can be retained by the credit union, boosting its capital cushion, or be used to address problematic loans, likely making the credit union better able to withstand economic trouble. Credit unions that are losing money, however, have less ability to do those things.
On Bankrate's test of earnings, HEARTLAND scored 2 out of a possible 30, less than the national average of 10.11.
HEARTLAND had an earnings ratio of 0.00 percent in our test, better than the average for all credit unions, suggesting that it's running ahead of its peers in this area.