A credit union's profitability has an effect on its long-term survivability. Earnings can be retained by the credit union, boosting its capital buffer, or be used to address problematic loans, potentially making the credit union better able to withstand financial trouble. Credit unions that are losing money, however, are less able to do those things.
On Bankrate's test of earnings, PUBLIC SERVICE #3 scored 8 out of a possible 30, less than the national average of 10.11.
One sign that PUBLIC SERVICE #3 is doing better than its peers in this area was its earnings ratio of 0.00 percent in our test, above the average for all credit unions.