A credit union's earnings performance has an effect on its safety and soundness. A credit union can retain its earnings, increasing its capital cushion, or use them to deal with problematic loans, potentially making the credit union more resilient in times of trouble. Credit unions that are losing money, however, are less able to do those things.
On Bankrate's test of earnings, SHELBY/BOLIVAR COUNTY scored 8 out of a possible 30, coming in below the national average of 10.11.
SHELBY/BOLIVAR COUNTY had an earnings ratio of 0.00 percent in our test, higher than the average for all credit unions, a sign that it's outperforming its peers in this area.