How successful a credit union is at making money 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 prepared to withstand financial shocks. Losses, on the other hand, take away from a credit union's ability to do those things.
JEMEZ VALLEY scored 10 out of a possible 30 on Bankrate's earnings test, failing to reach the national average of 10.11.
One indication that JEMEZ VALLEY 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.