How successful a credit union is at earning money has an effect on its safety and soundness. Earnings can be retained by the credit union, boosting its capital cushion, or be used to deal with problematic loans, likely making the credit union more resilient in tough times. Conversely, losses take away from a credit union's ability to do those things.
On Bankrate's earnings test, HOUSTON POLICE scored 18 out of a possible 30, above the national average of 10.31.
HOUSTON POLICE had an earnings ratio of 8.00 percent in our test, above the average for all credit unions, suggesting that it's doing better than its peers in this area.