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, potentially making the credit union better prepared to withstand financial shocks. Conversely, losses reduce a credit union's ability to do those things.
On Bankrate's test of earnings, OCEAN COUNTY EMPLOYEES scored 14 out of a possible 30, better than the national average of 10.11.
One sign that the credit union is outperforming its peers in this area was its earnings ratio of 0.00 percent in our test, above the average for all credit unions.