A credit union's ability to earn money has an effect on its safety and soundness. A credit union can retain its earnings, giving a boost to its capital buffer, or put them to work addressing problematic loans, potentially making the credit union better able to withstand economic trouble. Obviously, credit unions that are losing money are less able to do those things.
On Bankrate's earnings test, MERCER COUNTY W VA TEACHERS scored 24 out of a possible 30, above the national average of 10.11.
MERCER COUNTY W VA TEACHERS had an earnings ratio of 0.00 percent in our test, higher than the average for all credit unions, an indication that it's doing better than its peers in this area.