A credit union's earnings performance affects its safety and soundness. Earnings may be retained by the credit union, giving a boost to its capital buffer, or be used to deal with problematic loans, potentially making the credit union more resilient in times of trouble. Losses, on the other hand, lessen a credit union's ability to do those things.
On Bankrate's earnings test, SUFFOLK scored 8 out of a possible 30, failing to reach the national average of 10.31.
SUFFOLK had an earnings ratio of 3.00 percent in our test, higher than the average for all credit unions, a sign that it's doing better than its peers in this area.