How successful a credit union is at earning money affects its long-term survivability. Earnings may be retained by the credit union, giving a boost to its capital buffer, or be used to address problematic loans, potentially making the credit union better prepared to withstand economic shocks. Conversely, losses diminish a credit union's ability to do those things.
On Bankrate's earnings test, MCDOWELL COUNTY scored 6 out of a possible 30, below the national average of 10.11.
One sign that MCDOWELL COUNTY 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.