A credit union's earnings performance affects its safety and soundness. A credit union can retain its earnings, increasing its capital cushion, or use them to address problematic loans, potentially making the credit union better able to withstand financial trouble. Credit unions that are losing money, however, have less ability to do those things.
PROSPERA received above-average marks on Bankrate's earnings test, achieving a score of 14 out of a possible 30.
One sign that PROSPERA is doing better than its peers in this area was its earnings ratio of 0.00 percent in our test, better than the average for all credit unions.