A credit union's earnings performance affects its safety and soundness. Earnings can be retained by the credit union, increasing its capital buffer, or be used to deal with problematic loans, potentially making the credit union more resilient in tough times. Conversely, losses lessen a credit union's ability to do those things.
EDUCATIONAL AND GOVERNMENTAL scored 4 out of a possible 30 on Bankrate's test of earnings, falling short of the national average of 10.11.
One sign that EDUCATIONAL AND GOVERNMENTAL is beating its peers in this area was its earnings ratio of 0.00 percent in our test, better than the average for all credit unions.