A credit union's profitability affects its safety and soundness. A credit union can retain its earnings, giving a boost to its capital cushion, or use them to address problematic loans, potentially making the credit union better prepared to withstand financial shocks. Losses, on the other hand, diminish a credit union's ability to do those things.
HOUSTON POLICE scored 16 out of a possible 30 on Bankrate's earnings test, beating out the national average of 10.11.
One sign that HOUSTON POLICE is running ahead of its peers in this area was its earnings ratio of 0.00 percent in our test, above the average for all credit unions.