A credit union's ability to earn money has an effect on its safety and soundness. Earnings can be retained by the credit union, boosting its capital cushion, or be used to deal with problematic loans, likely making the credit union more resilient in times of trouble. Obviously, credit unions that are losing money are less able to do those things.
RIVER CITIES COMMUNITY scored 22 out of a possible 30 on Bankrate's earnings test, beating out the national average of 10.11.
One sign that RIVER CITIES COMMUNITY is outperforming its peers in this area was its earnings ratio of 0.00 percent in our test, better than the average for all credit unions.