A credit union's profitability affects its safety and soundness. A credit union can retain its earnings, expanding its capital buffer, or use them to address problematic loans, potentially making the credit union better prepared to withstand financial shocks. Losses, on the other hand, reduce a credit union's ability to do those things.
On Bankrate's earnings test, EMERY scored 0 out of a possible 30, below the national average of 10.11.
One indication that EMERY is outperforming its peers in this area was its earnings ratio of -1.00 percent in our test, above the average for all credit unions.