A credit union's ability to earn money has an effect on its long-term survivability. A credit union can retain its earnings, giving a boost to its capital cushion, or use them to deal with problematic loans, likely 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, HUNTINGTON BEACH CTY EMPLOYEES scored 6 out of a possible 30, below the national average of 10.11.
HUNTINGTON BEACH CTY EMPLOYEES had an earnings ratio of 0.00 percent in our test, higher than the average for all credit unions, suggesting that it's outperforming its peers in this area.