How successful a credit union is at making money has an effect on its safety and soundness. A credit union can retain its earnings, expanding its capital cushion, or put them to work addressing problematic loans, potentially making the credit union better prepared to withstand economic trouble. Conversely, losses lessen a credit union's ability to do those things.
On Bankrate's earnings test, STATE AGENCIES scored 12 out of a possible 30, beating out the national average of 10.31.
One sign that STATE AGENCIES is outperforming its peers in this area was its earnings ratio of 5.00 percent in our test, above the average for all credit unions.