A credit union's ability to earn money affects its long-term survivability. Earnings may be retained by the credit union, boosting its capital cushion, or be used to deal with 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.
On Bankrate's earnings test, HERITAGE VALLEY scored 8 out of a possible 30, falling short of the national average of 10.11.
One sign that HERITAGE VALLEY is beating its peers in this area was its earnings ratio of 0.00 percent in our test, higher than the average for all credit unions.