How successful a credit union is at making money affects its safety and soundness. Earnings can be retained by the credit union, giving a boost to its capital cushion, or be used to deal with problematic loans, likely making the credit union more resilient in times of trouble. Credit unions that are losing money, however, are less able to do those things.
On Bankrate's earnings test, LUSO-AMERICAN scored 8 out of a possible 30, below the national average of 10.11.
One indication that LUSO-AMERICAN 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.