How successful a credit union is at earning money affects its safety and soundness. A credit union can retain its earnings, increasing its capital buffer, or put them to work addressing problematic loans, likely making the credit union better able to withstand economic shocks. Conversely, losses diminish a credit union's ability to do those things.
VALLEY BELL scored 26 out of a possible 30 on Bankrate's test of earnings, exceeding the national average of 10.31.
One sign that the credit union is beating its peers in this area was its earnings ratio of 18.00 percent in our test, higher than the average for all credit unions.