A credit union's earnings performance has an effect on its long-term survivability. A credit union can retain its earnings, giving a boost to its capital buffer, or use them to deal with problematic loans, likely making the credit union better prepared to withstand financial trouble. However, credit unions that are losing money have less ability to do those things.
On Bankrate's test of earnings, WHITE ROCK scored 0 out of a possible 30, failing to reach the national average of 10.11.
One sign that WHITE ROCK is outperforming its peers in this area was its earnings ratio of 0.00 percent in our test, higher than the average for all credit unions.