How successful a credit union is at earning money affects its safety and soundness. Earnings may be retained by the credit union, expanding its capital cushion, or be used to address problematic loans, potentially making the credit union more resilient in times of trouble. Credit unions that are losing money, however, are less able to do those things.
PUBLIC SERVICE fell short of the national average on Bankrate's earnings test, achieving a score of 2 out of a possible 30.
One indication that PUBLIC SERVICE is running ahead of its peers in this area was its earnings ratio of 0.00 percent in our test, above the average for all credit unions.