How successful a credit union is at making money affects its safety and soundness. A credit union can retain its earnings, expanding its capital buffer, or put them to work addressing problematic loans, likely making the credit union better able to withstand financial trouble. Losses, on the other hand, diminish a credit union's ability to do those things.
KENTUCKY EMPLOYEES scored 8 out of a possible 30 on Bankrate's earnings test, failing to reach the national average of 10.11.
KENTUCKY EMPLOYEES had an earnings ratio of 0.00 percent in our test, higher than the average for all credit unions, suggesting that it's beating its peers in this area.