How successful a credit union is at earning money affects its safety and soundness. A credit union can retain its earnings, giving a boost to its capital buffer, or use them to deal with problematic loans, likely making the credit union better prepared to withstand financial shocks. Conversely, losses reduce a credit union's ability to do those things.
On Bankrate's earnings test, MONTANA HEALTH scored 0 out of a possible 30, less than the national average of 10.11.
One sign that the credit union 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.