A credit union's ability to earn money affects its long-term survivability. Earnings may be retained by the credit union, giving a boost to its capital cushion, or be used to address problematic loans, likely making the credit union better prepared to withstand financial trouble. Credit unions that are losing money, however, are less able to do those things.
VALLEY COMMUNITIES received below-average marks on Bankrate's test of earnings, achieving a score of 8 out of a possible 30.
One indication that the credit union 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.