A credit union's profitability affects its long-term survivability. Earnings can be retained by the credit union, giving a boost to its capital cushion, or be used to deal with problematic loans, likely making the credit union better prepared to withstand economic shocks. Losses, on the other hand, diminish a credit union's ability to do those things.
On Bankrate's test of earnings, EDUCATION scored 10 out of a possible 30, failing to reach the national average of 10.11.
EDUCATION had an earnings ratio of 0.00 percent in our test, above the average for all credit unions, suggesting that it's running ahead of its peers in this area.