A credit union's profitability affects its long-term survivability. A credit union can retain its earnings, giving a boost to its capital cushion, or use them to address problematic loans, potentially making the credit union more resilient in times of trouble. Credit unions that are losing money, however, have less ability to do those things.
On Bankrate's earnings test, PEOPLES COMMUNITY scored 0 out of a possible 30, below the national average of 10.31.
PEOPLES COMMUNITY had an earnings ratio of -65.00 percent in our test, below the average for all credit unions, suggesting that it's running behind its peers in this area.