A credit union's earnings performance has an effect on its safety and soundness. Earnings can be retained by the credit union, expanding its capital buffer, or be used to deal with problematic loans, likely making the credit union better able to withstand financial trouble. However, credit unions that are losing money have less ability to do those things.
CHATTANOOGA AREA SCHOOLS scored 4 out of a possible 30 on Bankrate's earnings test, lower than the national average of 10.11.
CHATTANOOGA AREA SCHOOLS had an earnings ratio of 0.00 percent in our test, higher than the average for all credit unions, suggesting that it's doing better than its peers in this area.