How successful a credit union is at making money has an effect on its safety and soundness. Earnings may be retained by the credit union, increasing its capital buffer, or be used to address problematic loans, potentially making the credit union better prepared to withstand economic trouble. Obviously, credit unions that are losing money are less able to do those things.
On Bankrate's earnings test, COASTAL TEACHERS scored 4 out of a possible 30, lower than the national average of 10.11.
One indication that COASTAL TEACHERS is outperforming its peers in this area was its earnings ratio of 0.00 percent in our test, higher than the average for all credit unions.