A credit union's ability to earn money affects its safety and soundness. A credit union can retain its earnings, giving a boost to its capital cushion, or use them to deal with problematic loans, potentially making the credit union better able to withstand economic shocks. Conversely, losses diminish a credit union's ability to do those things.
MIAMI POSTAL SERVICE underperformed the average on Bankrate's earnings test, achieving a score of 8 out of a possible 30.
One indication that the credit union is doing better than its peers in this area was its earnings ratio of 4.00 percent in our test, better than the average for all credit unions.