A credit union's profitability has an effect on its safety and soundness. Earnings can be retained by the credit union, increasing its capital cushion, or be used to deal with problematic loans, potentially making the credit union better able to withstand financial shocks. Obviously, credit unions that are losing money are less able to do those things.
On Bankrate's earnings test, INTERCORP scored 0 out of a possible 30, below the national average of 10.11.
One indication that INTERCORP is doing better than its peers in this area was its earnings ratio of 0.00 percent in our test, above the average for all credit unions.