A credit union's earnings performance affects its safety and soundness. Earnings may be retained by the credit union, increasing its capital cushion, or be used to deal with problematic loans, potentially making the credit union better able to withstand economic shocks. Credit unions that are losing money, however, have less ability to do those things.
LUFKIN did below-average on Bankrate's earnings test, achieving a score of 6 out of a possible 30.
LUFKIN had an earnings ratio of 3.00 percent in our test, above the average for all credit unions, suggesting that it's doing better than its peers in this area.