How successful a credit union is at making money has an effect on its long-term survivability. Earnings can be retained by the credit union, expanding its capital cushion, or be used to address problematic loans, potentially making the credit union more resilient in tough times. However, credit unions that are losing money are less able to do those things.
NORTH GEORGIA COMMUNITY fell short of the national average on Bankrate's test of earnings, achieving a score of 0 out of a possible 30.
NORTH GEORGIA COMMUNITY had an earnings ratio of -11.00 percent in our test, below the average for all credit unions, a sign that it's underperforming its peers in this area.