A credit union's profitability has an effect on its safety and soundness. A credit union can retain its earnings, boosting its capital buffer, or use them to address problematic loans, likely making the credit union better able to withstand financial shocks. Credit unions that are losing money, however, have less ability to do those things.
REGIONAL MEMBERS scored 4 out of a possible 30 on Bankrate's earnings test, falling short of the national average of 10.11.
One indication that REGIONAL MEMBERS is doing better than its peers in this area was its earnings ratio of 0.00 percent in our test, above the average for all credit unions.