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, likely making the credit union more resilient in tough times. Losses, on the other hand, lessen a credit union's ability to do those things.
ASPIRE scored 0 out of a possible 30 on Bankrate's earnings test, less than the national average of 10.11.
The credit union had an earnings ratio of -1.00 percent in our test, better than the average for all credit unions, an indication that it's outperforming its peers in this area.