How successful a credit union is at making money has an effect on its safety and soundness. A credit union can retain its earnings, giving a boost to its capital cushion, or put them to work addressing problematic loans, potentially making the credit union better prepared to withstand economic trouble. Losses, on the other hand, diminish a credit union's ability to do those things.
UNITED NEIGHBORHOOD beat the national average on Bankrate's earnings test, achieving a score of 30 out of a possible 30.
One sign that UNITED NEIGHBORHOOD is beating its peers in this area was its earnings ratio of 0.00 percent in our test, above the average for all credit unions.