A credit union's profitability has an effect on its safety and soundness. Earnings may be retained by the credit union, increasing its capital cushion, or be used to deal with problematic loans, potentially making the credit union more resilient in times of trouble. Credit unions that are losing money, however, have less ability to do those things.
On Bankrate's earnings test, POSTAL EMPLOYEES OF TROY, N.Y. scored 0 out of a possible 30, falling short of the national average of 10.11.
POSTAL EMPLOYEES OF TROY, N.Y. had an earnings ratio of 0.00 percent in our test, higher than the average for all credit unions, a sign that it's running ahead of its peers in this area.