How successful a credit union is at earning money has an effect on its safety and soundness. A credit union can retain its earnings, increasing its capital cushion, or use them to deal with problematic loans, potentially making the credit union better able to withstand economic trouble. Conversely, losses reduce a credit union's ability to do those things.
On Bankrate's earnings test, NEA scored 0 out of a possible 30, failing to reach the national average of 10.31.
One sign that NEA is performing behind its peers in this area was its earnings ratio of -106.00 percent in our test, lower than the average for all credit unions.