How successful a credit union is at earning money affects its safety and soundness. Earnings can be retained by the credit union, increasing its capital buffer, or be used to deal with problematic loans, likely making the credit union more resilient in tough times. However, credit unions that are losing money are less able to do those things.
On Bankrate's earnings test, HIDDEN RIVER scored 6 out of a possible 30, less than the national average of 10.11.
One indication that HIDDEN RIVER is doing better than its peers in this area was its earnings ratio of 0.00 percent in our test, higher than the average for all credit unions.