How successful a credit union is at earning money affects its long-term survivability. A credit union can retain its earnings, boosting its capital buffer, or use them to deal with problematic loans, likely making the credit union better able to withstand financial shocks. Credit unions that are losing money, however, have less ability to do those things.
On Bankrate's test of earnings, ESL scored 20 out of a possible 30, beating out the national average of 10.31.
The credit union had an earnings ratio of 10.00 percent in our test, above the average for all credit unions, suggesting that it's doing better than its peers in this area.