How successful a credit union is at earning money has an effect on its long-term survivability. Earnings can be retained by the credit union, boosting its capital cushion, or be used to address problematic loans, potentially making the credit union more resilient in times of trouble. Credit unions that are losing money, however, are less able to do those things.
SELF-HELP beat the national average on Bankrate's test of earnings, achieving a score of 22 out of a possible 30.
SELF-HELP had an earnings ratio of 14.00 percent in our test, higher than the average for all credit unions, suggesting that it's outperforming its peers in this area.