A credit union's profitability has an effect on its long-term survivability. 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 trouble. Losses, on the other hand, diminish a credit union's ability to do those things.
On Bankrate's test of earnings, JEFF DAVIS TEACHERS scored 4 out of a possible 30, less than the national average of 10.31.
The credit union had an earnings ratio of 2.00 percent in our test, better than the average for all credit unions, suggesting that it's running ahead of its peers in this area.