A credit union's ability to earn money affects its safety and soundness. Earnings can be retained by the credit union, increasing its capital cushion, or be used to address problematic loans, likely making the credit union better able to withstand economic shocks. Losses, on the other hand, take away from a credit union's ability to do those things.
ENCOMPASS fell short of the national average on Bankrate's test of earnings, achieving a score of 8 out of a possible 30.
ENCOMPASS had an earnings ratio of 0.00 percent in our test, higher than the average for all credit unions, a sign that it's doing better than its peers in this area.