A credit union's ability to earn money has an effect on its long-term survivability. Earnings can be retained by the credit union, increasing its capital cushion, or be used to deal with problematic loans, likely making the credit union more resilient in times of trouble. Losses, on the other hand, take away from a credit union's ability to do those things.
On Bankrate's test of earnings, PINEY HILLS FEDERAL scored 0 out of a possible 30, failing to reach the national average of 10.11.
PINEY HILLS FEDERAL had an earnings ratio of 0.00 percent in our test, above the average for all credit unions, suggesting that it's beating its peers in this area.