A credit union's profitability has an effect on its long-term survivability. A credit union can retain its earnings, expanding its capital cushion, or put them to work addressing problematic loans, potentially making the credit union better able to withstand economic shocks. Conversely, losses diminish a credit union's ability to do those things.
HERITAGE FAMILY scored 20 out of a possible 30 on Bankrate's earnings test, beating the national average of 10.11.
HERITAGE FAMILY had an earnings ratio of 0.00 percent in our test, higher than the average for all credit unions, a sign that it's outperforming its peers in this area.