A credit union's earnings performance has an effect on its long-term survivability. A credit union can retain its earnings, expanding its capital buffer, or put them to work addressing problematic loans, potentially making the credit union better prepared to withstand economic trouble. However, credit unions that are losing money are less able to do those things.
USC beat the national average on Bankrate's test of earnings, achieving a score of 18 out of a possible 30.
USC had an earnings ratio of 9.00 percent in our test, better than the average for all credit unions, suggesting that it's outperforming its peers in this area.