A credit union's earnings performance affects its long-term survivability. A credit union can retain its earnings, increasing its capital cushion, or use them to address problematic loans, likely making the credit union more resilient in times of trouble. However, credit unions that are losing money are less able to do those things.
NORTH EAST TEXAS scored 8 out of a possible 30 on Bankrate's earnings test, less than the national average of 10.11.
The credit union had an earnings ratio of 0.00 percent in our test, higher than the average for all credit unions, suggesting that it's outperforming its peers in this area.