How successful a credit union is at earning 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, 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.
PEABODY MUNICIPAL scored 2 out of a possible 30 on Bankrate's earnings test, less than the national average of 10.11.
PEABODY MUNICIPAL had an earnings ratio of 0.00 percent in our test, above the average for all credit unions, suggesting that it's outperforming its peers in this area.