A credit union's profitability affects its safety and soundness. Earnings may be retained by the credit union, increasing its capital cushion, or be used to deal with problematic loans, potentially making the credit union more resilient in tough times. Credit unions that are losing money, however, have less ability to do those things.
NORTHERN COMMUNITIES received above-average marks on Bankrate's test of earnings, achieving a score of 18 out of a possible 30.
NORTHERN COMMUNITIES had an earnings ratio of 0.00 percent in our test, higher than the average for all credit unions, suggesting that it's doing better than its peers in this area.