A credit union's profitability has an effect on its long-term survivability. Earnings can be retained by the credit union, boosting its capital cushion, or be used to address problematic loans, likely 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.
On Bankrate's test of earnings, PISCATAWAY TOWNSHIP EMPLOYEES scored 6 out of a possible 30, lower than the national average of 10.11.
The credit union had an earnings ratio of 0.00 percent in our test, above the average for all credit unions, an indication that it's outperforming its peers in this area.