How successful a credit union is at making money has an effect on its safety and soundness. Earnings can be retained by the credit union, expanding its capital cushion, or be used to deal with problematic loans, likely making the credit union more resilient in times of trouble. Losses, on the other hand, take away from a credit union's ability to do those things.
On Bankrate's earnings test, SCHOOLSFIRST scored 16 out of a possible 30, beating out the national average of 10.31.
The credit union had an earnings ratio of 7.00 percent in our test, higher than the average for all credit unions, suggesting that it's doing better than its peers in this area.