How successful a credit union is at earning money affects its safety and soundness. A credit union can retain its earnings, increasing its capital cushion, or use them to address 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 earnings test, PEOPLE'S TRUST scored 4 out of a possible 30, falling short of the national average of 10.31.
PEOPLE'S TRUST had an earnings ratio of 1.00 percent in our test, equal to the average for all credit unions, a sign that it's running neck and neck with its peers in this area.