A credit union's profitability affects its safety and soundness. Earnings can be retained by the credit union, expanding its capital cushion, or be used to deal with problematic loans, potentially making the credit union more resilient in times of trouble. However, credit unions that are losing money are less able to do those things.
On Bankrate's earnings test, UNITED scored 8 out of a possible 30, below the national average of 10.11.
One indication that UNITED is running ahead of its peers in this area was its earnings ratio of 0.00 percent in our test, better than the average for all credit unions.