A credit union's ability to earn money has an effect on its safety and soundness. Earnings can be retained by the credit union, increasing its capital buffer, or be used to address problematic loans, likely making the credit union better prepared to withstand economic shocks. Losses, on the other hand, lessen a credit union's ability to do those things.
On Bankrate's test of earnings, HTM scored 4 out of a possible 30, less than the national average of 10.11.
One sign that HTM 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.