A credit union's ability to earn money 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 address problematic loans, potentially making the credit union more resilient in tough times. Credit unions that are losing money, however, have less ability to do those things.
On Bankrate's earnings test, WORCESTER scored 8 out of a possible 30, less than the national average of 10.11.
One sign that WORCESTER is running ahead of its peers in this area was its earnings ratio of 0.00 percent in our test, above the average for all credit unions.