How successful a credit union is at earning money has an effect on its safety and soundness. A credit union can retain its earnings, expanding its capital buffer, or use them to deal with problematic loans, likely making the credit union better prepared to withstand economic shocks. However, credit unions that are losing money have less ability to do those things.
On Bankrate's test of earnings, EAST FELICIANA TEACHERS scored 0 out of a possible 30, failing to reach the national average of 10.31.
One sign that EAST FELICIANA TEACHERS is running behind its peers in this area was its earnings ratio of -20.00 percent in our test, less than the average for all credit unions.