A credit union's earnings performance affects its safety and soundness. Earnings can be retained by the credit union, increasing its capital cushion, or be used to address problematic loans, likely making the credit union more resilient in times of trouble. However, credit unions that are losing money have less ability to do those things.
MERCED SCHOOL EMPLOYEES outperformed the average on Bankrate's test of earnings, achieving a score of 18 out of a possible 30.
MERCED SCHOOL EMPLOYEES had an earnings ratio of 0.00 percent in our test, above the average for all credit unions, an indication that it's running ahead of its peers in this area.