A credit union's profitability affects its long-term survivability. A credit union can retain its earnings, expanding its capital buffer, or use them to deal with problematic loans, potentially making the credit union better able to withstand financial trouble. Obviously, credit unions that are losing money are less able to do those things.
On Bankrate's earnings test, HEIGHTS COMMUNITY scored 0 out of a possible 30, failing to reach the national average of 10.11.
One sign that HEIGHTS COMMUNITY is outperforming its peers in this area was its earnings ratio of 0.00 percent in our test, higher than the average for all credit unions.