A credit union's ability to earn money has an effect on its long-term survivability. A credit union can retain its earnings, giving a boost to its capital buffer, or use them to deal with problematic loans, likely making the credit union better able to withstand economic trouble. Conversely, losses lessen a credit union's ability to do those things.
On Bankrate's earnings test, JACKSONVILLE POSTAL & PROFESSIONAL scored 4 out of a possible 30, failing to reach the national average of 10.11.
The credit union had an earnings ratio of 0.00 percent in our test, higher than the average for all credit unions, suggesting that it's outperforming its peers in this area.