A credit union's earnings performance affects its long-term survivability. Earnings may 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. Losses, on the other hand, reduce a credit union's ability to do those things.
On Bankrate's earnings test, EM scored 2 out of a possible 30, failing to reach the national average of 10.11.
One sign that EM is beating its peers in this area was its earnings ratio of 0.00 percent in our test, higher than the average for all credit unions.