A credit union's earnings performance affects its safety and soundness. Earnings can be retained by the credit union, increasing its capital buffer, or be used to address problematic loans, potentially making the credit union more resilient in tough times. Obviously, credit unions that are losing money have less ability to do those things.
SIGNAL FINANCIAL scored 0 out of a possible 30 on Bankrate's earnings test, below the national average of 10.31.
One indication that SIGNAL FINANCIAL is lagging behind its peers in this area was its earnings ratio of -2.00 percent in our test, less than the average for all credit unions.