A credit union's profitability has an effect on its long-term survivability. Earnings can be retained by the credit union, expanding its capital cushion, or be used to address problematic loans, likely making the credit union more resilient in times of trouble. Losses, on the other hand, diminish a credit union's ability to do those things.
DESERT SCHOOLS scored 22 out of a possible 30 on Bankrate's test of earnings, beating out the national average of 10.31.
The credit union had an earnings ratio of 13.00 percent in our test, better than the average for all credit unions, suggesting that it's doing better than its peers in this area.