How successful a credit union is at earning money affects its safety and soundness. A credit union can retain its earnings, boosting its capital cushion, or put them to work addressing problematic loans, potentially making the credit union more resilient in tough times. Conversely, losses diminish a credit union's ability to do those things.
On Bankrate's test of earnings, PACIFIC SERVICE scored 6 out of a possible 30, less than the national average of 10.31.
PACIFIC SERVICE had an earnings ratio of 3.00 percent in our test, better than the average for all credit unions, a sign that it's running ahead of its peers in this area.