A credit union's profitability affects its long-term survivability. Earnings may be retained by the credit union, giving a boost to its capital cushion, or be used to address problematic loans, potentially making the credit union more resilient in times of trouble. Credit unions that are losing money, however, have less ability to do those things.
On Bankrate's earnings test, SANTA ROSA COUNTY scored 12 out of a possible 30, beating the national average of 10.11.
One indication that SANTA ROSA COUNTY is beating its peers in this area was its earnings ratio of 0.00 percent in our test, better than the average for all credit unions.