A credit union's earnings performance affects its safety and soundness. A credit union can retain its earnings, expanding its capital cushion, or use them to deal with problematic loans, likely making the credit union more resilient in tough times. Obviously, credit unions that are losing money are less able to do those things.
SANDIA LABORATORY received above-average marks on Bankrate's earnings test, achieving a score of 18 out of a possible 30.
The credit union had an earnings ratio of 8.00 percent in our test, above the average for all credit unions, suggesting that it's doing better than its peers in this area.