How successful a credit union is at earning money affects its long-term survivability. Earnings can be retained by the credit union, increasing its capital cushion, or be used to address problematic loans, potentially making the credit union better prepared to withstand economic shocks. Losses, on the other hand, lessen a credit union's ability to do those things.
MCPHERSON COMMUNITY scored 0 out of a possible 30 on Bankrate's earnings test, failing to reach the national average of 10.11.
One sign that MCPHERSON COMMUNITY is doing better than its peers in this area was its earnings ratio of 0.00 percent in our test, higher than the average for all credit unions.