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 deal with problematic loans, potentially making the credit union better prepared to withstand economic shocks. Losses, on the other hand, lessen a credit union's ability to do those things.
On Bankrate's earnings test, HARBOR AREA POSTAL EMPLOYEES scored 0 out of a possible 30, falling short of the national average of 10.31.
One indication that HARBOR AREA POSTAL EMPLOYEES is underperforming its peers in this area was its earnings ratio of -9.00 percent in our test, less than the average for all credit unions.