How successful a credit union is at earning money has an effect on its long-term survivability. A credit union can retain its earnings, expanding its capital buffer, or use them to deal with problematic loans, likely making the credit union more resilient in tough times. Losses, on the other hand, reduce a credit union's ability to do those things.
GESA scored 16 out of a possible 30 on Bankrate's test of earnings, beating out the national average of 10.31.
GESA had an earnings ratio of 8.00 percent in our test, higher than the average for all credit unions, suggesting that it's running ahead of its peers in this area.