A credit union's earnings performance has an effect on its long-term survivability. Earnings can be retained by the credit union, boosting its capital buffer, or be used to address problematic loans, potentially making the credit union more resilient in tough times. Conversely, losses reduce a credit union's ability to do those things.
On Bankrate's test of earnings, PENN HILLS MUNICIPAL scored 18 out of a possible 30, exceeding the national average of 10.11.
One indication that PENN HILLS MUNICIPAL is beating its peers in this area was its earnings ratio of 0.00 percent in our test, higher than the average for all credit unions.