A credit union's ability to earn money has an effect on its safety and soundness. Earnings may be retained by the credit union, expanding its capital buffer, or be used to address problematic loans, likely making the credit union better able to withstand economic trouble. However, credit unions that are losing money are less able to do those things.
On Bankrate's test of earnings, CALIFORNIA STATE & FED EMP #20 scored 12 out of a possible 30, beating the national average of 10.11.
CALIFORNIA STATE & FED EMP #20 had an earnings ratio of 0.00 percent in our test, better than the average for all credit unions, an indication that it's running ahead of its peers in this area.