How successful a credit union is at making money has an effect on its long-term survivability. Earnings may be retained by the credit union, increasing its capital cushion, or be used to deal with problematic loans, likely making the credit union better able to withstand economic shocks. Conversely, losses lessen a credit union's ability to do those things.
On Bankrate's earnings test, MINT VALLEY scored 6 out of a possible 30, falling short of the national average of 10.11.
One sign that MINT VALLEY 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.