How successful a credit union is at making money has an effect on its safety and soundness. A credit union can retain its earnings, expanding its capital buffer, or use them to deal with problematic loans, potentially making the credit union better able 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, JEFFERSON FINANCIAL scored 22 out of a possible 30, beating the national average of 10.11.
One sign that JEFFERSON FINANCIAL 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.