How successful a credit union is at making money has an effect on its safety and soundness. Earnings can be retained by the credit union, giving a boost to its capital buffer, or be used to address problematic loans, potentially making the credit union better prepared to withstand financial trouble. Conversely, losses take away from a credit union's ability to do those things.
SOUTHWEST COMMUNITIES scored 4 out of a possible 30 on Bankrate's test of earnings, coming in below the national average of 10.11.
SOUTHWEST COMMUNITIES had an earnings ratio of 0.00 percent in our test, higher than the average for all credit unions, suggesting that it's running ahead of its peers in this area.