How successful a credit union is at earning money affects its safety and soundness. A credit union can retain its earnings, expanding its capital buffer, or use them to address problematic loans, likely making the credit union better prepared to withstand financial trouble. Credit unions that are losing money, however, have less ability to do those things.
SELF-HELP scored 0 out of a possible 30 on Bankrate's test of earnings, falling short of the national average of 10.31.
The credit union had an earnings ratio of 18.00 percent in our test, higher than the average for all credit unions, a sign that it's outperforming its peers in this area.