A credit union's profitability affects its safety and soundness. Earnings may be retained by the credit union, giving a boost to its capital buffer, or be used to address problematic loans, potentially making the credit union better able to withstand financial shocks. However, credit unions that are losing money have less ability to do those things.
PENNSYLVANIA-AMERICAN WATER underperformed the average on Bankrate's test of earnings, achieving a score of 2 out of a possible 30.
PENNSYLVANIA-AMERICAN WATER had an earnings ratio of 0.00 percent in our test, better than the average for all credit unions, suggesting that it's running ahead of its peers in this area.