How successful a credit union is at making money affects its safety and soundness. 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 times of trouble. Conversely, losses reduce a credit union's ability to do those things.
On Bankrate's test of earnings, UNITED ASSOCIATION scored 18 out of a possible 30, beating the national average of 10.11.
UNITED ASSOCIATION had an earnings ratio of 0.00 percent in our test, better than the average for all credit unions, suggesting that it's running ahead of its peers in this area.