A credit union's ability to earn money has an effect on its long-term survivability. Earnings can be retained by the credit union, expanding its capital cushion, or be used to address problematic loans, potentially making the credit union better able to withstand economic shocks. Credit unions that are losing money, however, are less able to do those things.
On Bankrate's earnings test, MATERNITY B.V.M. scored 4 out of a possible 30, failing to reach the national average of 10.11.
MATERNITY B.V.M. had an earnings ratio of 0.00 percent in our test, better than the average for all credit unions, a sign that it's outperforming its peers in this area.