A credit union's ability to earn money affects its safety and soundness. A credit union can retain its earnings, giving a boost to its capital cushion, or put them to work addressing problematic loans, potentially making the credit union more resilient in tough times. Credit unions that are losing money, however, are less able to do those things.
On Bankrate's earnings test, WEST FINANCIAL scored 14 out of a possible 30, above the national average of 10.11.
One sign that WEST FINANCIAL 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.