A credit union's earnings performance affects its safety and soundness. A credit union can retain its earnings, increasing its capital buffer, or use them to address problematic loans, potentially making the credit union more resilient in times of trouble. However, credit unions that are losing money are less able to do those things.
On Bankrate's earnings test, IRSE scored 4 out of a possible 30, failing to reach the national average of 10.11.
One sign that IRSE is doing better than its peers in this area was its earnings ratio of 0.00 percent in our test, above the average for all credit unions.