How successful a credit union is at making money affects its long-term survivability. A credit union can retain its earnings, boosting its capital cushion, or use them to deal with problematic loans, likely making the credit union better prepared to withstand financial shocks. Conversely, losses lessen a credit union's ability to do those things.
On Bankrate's test of earnings, USAGENCIES scored 10 out of a possible 30, less than the national average of 10.11.
One sign that USAGENCIES is running ahead of its peers in this area was its earnings ratio of 0.00 percent in our test, above the average for all credit unions.