How successful a credit union is at making money affects its long-term survivability. Earnings can be retained by the credit union, increasing its capital buffer, or be used to address problematic loans, likely making the credit union better able to withstand economic trouble. Losses, on the other hand, reduce a credit union's ability to do those things.
UNITED scored 0 out of a possible 30 on Bankrate's earnings test, below the national average of 10.11.
One sign that UNITED is outperforming its peers in this area was its earnings ratio of 0.00 percent in our test, above the average for all credit unions.