A credit union's earnings performance affects its safety and soundness. Earnings may be retained by the credit union, expanding its capital cushion, or be used to deal with problematic loans, likely making the credit union more resilient in times of trouble. Losses, on the other hand, lessen a credit union's ability to do those things.
MIAMI UNIVERSITY COMMUNITY scored 10 out of a possible 30 on Bankrate's earnings test, coming in below the national average of 10.11.
One indication that MIAMI UNIVERSITY COMMUNITY 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.