How successful a credit union is at making money affects its safety and soundness. A credit union can retain its earnings, giving a boost to its capital buffer, or put them to work addressing problematic loans, likely making the credit union more resilient in tough times. Losses, on the other hand, take away from a credit union's ability to do those things.
MASS BAY scored 8 out of a possible 30 on Bankrate's test of earnings, below the national average of 10.11.
One indication that MASS BAY is running ahead of its peers in this area was its earnings ratio of 0.00 percent in our test, better than the average for all credit unions.