A credit union's ability to earn money affects its long-term survivability. A credit union can retain its earnings, increasing its capital cushion, or use them to deal with problematic loans, likely making the credit union more resilient in tough times. Losses, on the other hand, lessen a credit union's ability to do those things.
PIONEER COMMUNITY scored 18 out of a possible 30 on Bankrate's test of earnings, beating out the national average of 10.11.
One sign that the credit union is outperforming its peers in this area was its earnings ratio of 0.00 percent in our test, above the average for all credit unions.