A credit union's ability to earn money affects its safety and soundness. Earnings may be retained by the credit union, giving a boost to its capital cushion, or be used to address problematic loans, likely making the credit union better prepared to withstand financial trouble. Losses, on the other hand, take away from a credit union's ability to do those things.
MCNAIRY COUNTY EMPLOYEES fell short of the national average on Bankrate's earnings test, achieving a score of 0 out of a possible 30.
One sign that the credit union 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.