A credit union's earnings performance affects its long-term survivability. A credit union can retain its earnings, giving a boost to its capital cushion, or use them to deal with problematic loans, potentially making the credit union better prepared to withstand financial trouble. However, credit unions that are losing money have less ability to do those things.
On Bankrate's test of earnings, LUBBOCK TEACHERS scored 0 out of a possible 30, lower than the national average of 10.31.
LUBBOCK TEACHERS had an earnings ratio of -13.00 percent in our test, less than the average for all credit unions, suggesting that it's running behind its peers in this area.