How successful a credit union is at making money has an effect on its safety and soundness. Earnings can be retained by the credit union, expanding its capital buffer, or be used to address problematic loans, potentially making the credit union better able 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, EXPRESS scored 6 out of a possible 30, falling short of the national average of 10.11.
One sign that EXPRESS is running ahead of its peers in this area was its earnings ratio of 0.00 percent in our test, better than the average for all credit unions.