A credit union's profitability affects 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 prepared to withstand financial shocks. However, credit unions that are losing money are less able to do those things.
On Bankrate's earnings test, KBR HERITAGE scored 4 out of a possible 30, lower than the national average of 10.11.
One sign that KBR HERITAGE is running ahead of its peers in this area was its earnings ratio of 0.00 percent in our test, higher than the average for all credit unions.