A credit union's profitability has an effect on its long-term survivability. Earnings can be retained by the credit union, giving a boost to its capital buffer, or be used to deal with problematic loans, potentially making the credit union more resilient in tough times. Obviously, credit unions that are losing money have less ability to do those things.
On Bankrate's earnings test, COOPERATIVE TEACHERS scored 12 out of a possible 30, beating out the national average of 10.31.
COOPERATIVE TEACHERS had an earnings ratio of 6.00 percent in our test, higher than the average for all credit unions, suggesting that it's beating its peers in this area.