How successful a credit union is at earning money affects its safety and soundness. Earnings can be retained by the credit union, expanding its capital buffer, or be used to address problematic loans, likely making the credit union better able to withstand economic trouble. Obviously, credit unions that are losing money are less able to do those things.
P.V.H.M.C. scored 8 out of a possible 30 on Bankrate's earnings test, coming in below the national average of 10.11.
One indication that P.V.H.M.C. is running ahead of its peers in this area was its earnings ratio of 0.00 percent in our test, above the average for all credit unions.