How successful a credit union is at making money affects its long-term survivability. A credit union can retain its earnings, boosting its capital cushion, or use them to address problematic loans, likely making the credit union better able to withstand economic shocks. Conversely, losses take away from a credit union's ability to do those things.
On Bankrate's test of earnings, EL PASO AREA TEACHERS scored 4 out of a possible 30, failing to reach the national average of 10.31.
EL PASO AREA TEACHERS had an earnings ratio of 2.00 percent in our test, better than the average for all credit unions, an indication that it's beating its peers in this area.