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 better prepared to withstand economic shocks. Credit unions that are losing money, however, are less able to do those things.
PHILADELPHIA LETTER CARRIERS scored 4 out of a possible 30 on Bankrate's earnings test, failing to reach the national average of 10.11.
PHILADELPHIA LETTER CARRIERS had an earnings ratio of 0.00 percent in our test, higher than the average for all credit unions, suggesting that it's beating its peers in this area.