How successful a credit union is at earning money has an effect on its long-term survivability. Earnings can be retained by the credit union, expanding its capital cushion, or be used to address problematic loans, potentially making the credit union more resilient in tough times. Obviously, credit unions that are losing money are less able to do those things.
THE HEART CENTER fell behind the national average on Bankrate's test of earnings, achieving a score of 6 out of a possible 30.
One sign that THE HEART CENTER is outperforming its peers in this area was its earnings ratio of 0.00 percent in our test, higher than the average for all credit unions.