How successful a credit union is at earning money affects its safety and soundness. A credit union can retain its earnings, boosting its capital buffer, or use them to deal with problematic loans, potentially making the credit union better prepared to withstand financial shocks. Losses, on the other hand, take away from a credit union's ability to do those things.
On Bankrate's earnings test, ASPIRE scored 0 out of a possible 30, coming in below the national average of 10.31.
One sign that ASPIRE is underperforming its peers in this area was its earnings ratio of -42.00 percent in our test, less than the average for all credit unions.