A credit union's profitability affects its long-term survivability. A credit union can retain its earnings, increasing its capital buffer, or use them to address problematic loans, potentially making the credit union better prepared to withstand financial trouble. Losses, on the other hand, take away from a credit union's ability to do those things.
On Bankrate's test of earnings, MONROE COUNTY COMMUNITY scored 18 out of a possible 30, exceeding the national average of 10.11.
One sign that MONROE COUNTY COMMUNITY is outperforming its peers in this area was its earnings ratio of 0.00 percent in our test, higher than the average for all credit unions.