A credit union's earnings performance has an effect on its safety and soundness. Earnings can be retained by the credit union, giving a boost to its capital buffer, or be used to deal with problematic loans, likely making the credit union better able to withstand financial shocks. Conversely, losses lessen a credit union's ability to do those things.
PENN WILCO scored 4 out of a possible 30 on Bankrate's test of earnings, less than the national average of 10.11.
One sign that PENN WILCO is beating its peers in this area was its earnings ratio of 0.00 percent in our test, better than the average for all credit unions.