How successful a credit union is at making money has an effect on its safety and soundness. Earnings may be retained by the credit union, increasing its capital cushion, or be used to address problematic loans, likely making the credit union more resilient in tough times. Conversely, losses lessen a credit union's ability to do those things.
JUNIOR COLLEGE scored 0 out of a possible 30 on Bankrate's test of earnings, failing to reach the national average of 10.11.
One sign that JUNIOR COLLEGE is running ahead of its peers in this area was its earnings ratio of 0.00 percent in our test, better than the average for all credit unions.