A credit union's ability to earn money affects its long-term survivability. A credit union can retain its earnings, boosting its capital cushion, or put them to work addressing problematic loans, potentially making the credit union better able to withstand financial trouble. Conversely, losses diminish a credit union's ability to do those things.
MERCER COUNTY IMPROVEMENT AUTHORITY scored 10 out of a possible 30 on Bankrate's test of earnings, less than the national average of 10.11.
One sign that MERCER COUNTY IMPROVEMENT AUTHORITY is running ahead of its peers in this area was its earnings ratio of 0.00 percent in our test, above the average for all credit unions.