A credit union's profitability has an effect on its safety and soundness. A credit union can retain its earnings, giving a boost to its capital cushion, or put them to work addressing problematic loans, likely making the credit union better able to withstand financial shocks. Obviously, credit unions that are losing money are less able to do those things.
On Bankrate's earnings test, CENTEX CITIZENS scored 2 out of a possible 30, lower than the national average of 10.11.
One sign that CENTEX CITIZENS is outperforming its peers in this area was its earnings ratio of 0.00 percent in our test, above the average for all credit unions.