How successful a credit union is at earning money 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, potentially making the credit union better prepared to withstand financial trouble. Losses, on the other hand, reduce a credit union's ability to do those things.
On Bankrate's earnings test, MT CARMEL CHURCH scored 8 out of a possible 30, failing to reach the national average of 10.11.
One indication that MT CARMEL CHURCH is doing better than its peers in this area was its earnings ratio of 0.00 percent in our test, higher than the average for all credit unions.