A credit union's ability to earn money has an effect on its long-term survivability. Earnings may be retained by the credit union, expanding its capital cushion, or be used to deal with problematic loans, potentially making the credit union better prepared to withstand economic shocks. Conversely, losses lessen a credit union's ability to do those things.
On Bankrate's earnings test, QUALTRUST scored 0 out of a possible 30, coming in below the national average of 10.31.
One sign that QUALTRUST is underperforming its peers in this area was its earnings ratio of -5.00 percent in our test, lower than the average for all credit unions.