How successful a credit union is at earning money affects its long-term survivability. A credit union can retain its earnings, boosting its capital cushion, or put them to work addressing problematic loans, likely making the credit union more resilient in tough times. Conversely, losses lessen a credit union's ability to do those things.
HEMA scored 6 out of a possible 30 on Bankrate's test of earnings, coming in below the national average of 10.11.
One sign that HEMA 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.