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, increasing its capital cushion, or be used to address problematic loans, potentially making the credit union better prepared to withstand financial shocks. Credit unions that are losing money, however, have less ability to do those things.
On Bankrate's earnings test, TLC COMMUNITY scored 18 out of a possible 30, beating out the national average of 10.11.
One indication that TLC COMMUNITY is running ahead of its peers in this area was its earnings ratio of 0.00 percent in our test, above the average for all credit unions.