A credit union's earnings performance affects its safety and soundness. 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 able to withstand financial shocks. Losses, on the other hand, diminish a credit union's ability to do those things.
On Bankrate's earnings test, NEIGHBORS scored 16 out of a possible 30, beating out the national average of 10.11.
One indication that NEIGHBORS 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.