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 deal with problematic loans, likely making the credit union better able to withstand economic shocks. Losses, on the other hand, lessen a credit union's ability to do those things.
On Bankrate's test of earnings, EMPOWER scored 18 out of a possible 30, exceeding the national average of 10.31.
EMPOWER had an earnings ratio of 9.00 percent in our test, higher than the average for all credit unions, suggesting that it's doing better than its peers in this area.