A credit union's profitability affects its safety and soundness. A credit union can retain its earnings, increasing its capital buffer, or put them to work addressing 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.
PROCTER & GAMBLE ST. LOUIS EMP. scored 2 out of a possible 30 on Bankrate's earnings test, less than the national average of 10.11.
PROCTER & GAMBLE ST. LOUIS EMP. had an earnings ratio of 0.00 percent in our test, better than the average for all credit unions, an indication that it's outperforming its peers in this area.