How successful a credit union is at making money has an effect on its long-term survivability. A credit union can retain its earnings, boosting its capital buffer, or put them to work addressing problematic loans, potentially making the credit union better prepared to withstand financial trouble. Conversely, losses lessen a credit union's ability to do those things.
On Bankrate's test of earnings, WYHY scored 10 out of a possible 30, lower than the national average of 10.11.
One sign that WYHY is doing better than its peers in this area was its earnings ratio of 0.00 percent in our test, higher than the average for all credit unions.