A credit union's ability to earn money has an effect on its safety and soundness. A credit union can retain its earnings, boosting its capital cushion, or use them to address problematic loans, potentially making the credit union better prepared to withstand economic shocks. Obviously, credit unions that are losing money have less ability to do those things.
On Bankrate's test of earnings, STANFORD scored 20 out of a possible 30, exceeding the national average of 10.31.
One sign that STANFORD is running ahead of its peers in this area was its earnings ratio of 11.00 percent in our test, better than the average for all credit unions.