A credit union's profitability has an effect on its safety and soundness. Earnings may be retained by the credit union, increasing its capital cushion, or be used to address problematic loans, potentially making the credit union better prepared to withstand economic trouble. Losses, on the other hand, diminish a credit union's ability to do those things.
On Bankrate's earnings test, WEST COMMUNITY scored 18 out of a possible 30, exceeding the national average of 10.11.
One sign that the credit union is running ahead of its peers in this area was its earnings ratio of 0.00 percent in our test, higher than the average for all credit unions.