How successful a credit union is at earning money has an effect on its safety and soundness. Earnings may be retained by the credit union, boosting its capital buffer, or be used to address problematic loans, potentially making the credit union more resilient in times of trouble. Losses, on the other hand, reduce a credit union's ability to do those things.
NORTHAMPTON AREA SCHOOL DIST. EMPS scored 10 out of a possible 30 on Bankrate's earnings test, less than the national average of 10.11.
One sign that NORTHAMPTON AREA SCHOOL DIST. EMPS is beating its peers in this area was its earnings ratio of 0.00 percent in our test, higher than the average for all credit unions.