A credit union's profitability affects its safety and soundness. A credit union can retain its earnings, increasing its capital cushion, or use them to address problematic loans, likely making the credit union better able to withstand financial trouble. Credit unions that are losing money, however, have less ability to do those things.
On Bankrate's earnings test, ORANGE COUNTY'S scored 18 out of a possible 30, better than the national average of 10.11.
ORANGE COUNTY'S had an earnings ratio of 0.00 percent in our test, higher than the average for all credit unions, an indication that it's beating its peers in this area.