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 buffer, or put them to work addressing problematic loans, potentially making the credit union better able to withstand financial trouble. Credit unions that are losing money, however, have less ability to do those things.
On Bankrate's test of earnings, US COMMUNITY scored 10 out of a possible 30, less than the national average of 10.11.
One indication that US COMMUNITY is doing better than its peers in this area was its earnings ratio of 0.00 percent in our test, better than the average for all credit unions.