A credit union's earnings performance affects its safety and soundness. Earnings may be retained by the credit union, increasing its capital cushion, or be used to deal with problematic loans, likely making the credit union more resilient in tough times. Obviously, credit unions that are losing money are less able to do those things.
PHI BETA SIGMA scored 0 out of a possible 30 on Bankrate's earnings test, coming in below the national average of 10.11.
PHI BETA SIGMA had an earnings ratio of -2.00 percent in our test, equal to the average for all credit unions, suggesting that it's running neck and neck with its peers in this area.