A credit union's profitability has an effect on its safety and soundness. Earnings can be retained by the credit union, boosting its capital buffer, or be used to deal with problematic loans, potentially making the credit union better able to withstand economic shocks. Losses, on the other hand, diminish a credit union's ability to do those things.
TRAVIS scored 14 out of a possible 30 on Bankrate's test of earnings, beating the national average of 10.31.
The credit union had an earnings ratio of 7.00 percent in our test, better than the average for all credit unions, suggesting that it's running ahead of its peers in this area.