A credit union's ability to earn money has an effect on its long-term survivability. Earnings may be retained by the credit union, boosting its capital buffer, or be used to deal with problematic loans, potentially making the credit union more resilient in times of trouble. Losses, on the other hand, take away from a credit union's ability to do those things.
PBA fell short of the national average on Bankrate's earnings test, achieving a score of 2 out of a possible 30.
One sign that PBA is doing better than its peers in this area was its earnings ratio of 0.00 percent in our test, above the average for all credit unions.