How successful a credit union is at making money has an effect on its safety and soundness. A credit union can retain its earnings, expanding its capital cushion, or put them to work addressing problematic loans, likely making the credit union more resilient in times of trouble. Conversely, losses lessen a credit union's ability to do those things.
SANDHILLS scored 0 out of a possible 30 on Bankrate's test of earnings, lower than the national average of 10.31.
One sign that SANDHILLS is underperforming its peers in this area was its earnings ratio of -48.00 percent in our test, worse than the average for all credit unions.