How successful a credit union is at making money has an effect on its long-term survivability. Earnings can be retained by the credit union, giving a boost to its capital cushion, or be used to deal with problematic loans, potentially 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 test of earnings, SAC scored 18 out of a possible 30, better than the national average of 10.31.
One sign that SAC is outperforming its peers in this area was its earnings ratio of 8.00 percent in our test, better than the average for all credit unions.