A credit union's ability to earn money affects its safety and soundness. Earnings may be retained by the credit union, increasing its capital buffer, or be used to address problematic loans, likely making the credit union more resilient in tough times. Losses, on the other hand, take away from a credit union's ability to do those things.
On Bankrate's earnings test, KELLOGG MEMPHIS EMPLOYEES scored 10 out of a possible 30, coming in below the national average of 10.11.
KELLOGG MEMPHIS EMPLOYEES had an earnings ratio of 0.00 percent in our test, above the average for all credit unions, suggesting that it's running ahead of its peers in this area.