A credit union's profitability has an effect on its long-term survivability. Earnings may be retained by the credit union, giving a boost to its capital cushion, or be used to deal with problematic loans, likely making the credit union better prepared to withstand economic trouble. Credit unions that are losing money, however, are less able to do those things.
On Bankrate's test of earnings, MT. AIRY BAPTIST CHURCH scored 0 out of a possible 30, below the national average of 10.11.
One sign that MT. AIRY BAPTIST CHURCH 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.