How successful a credit union is at earning money has an effect on its safety and soundness. A credit union can retain its earnings, expanding its capital cushion, or use them to address problematic loans, likely making the credit union better able to withstand economic shocks. However, credit unions that are losing money have less ability to do those things.
UNITED HERITAGE scored 18 out of a possible 30 on Bankrate's earnings test, beating out the national average of 10.11.
UNITED HERITAGE had an earnings ratio of 0.00 percent in our test, above the average for all credit unions, a sign that it's outperforming its peers in this area.