A credit union's earnings performance has an effect on its long-term survivability. A credit union can retain its earnings, giving a boost to its capital buffer, or put them to work addressing problematic loans, potentially making the credit union more resilient in times of trouble. Conversely, losses diminish a credit union's ability to do those things.
On Bankrate's test of earnings, LAST scored 0 out of a possible 30, lower than the national average of 10.11.
One indication that LAST 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.