How successful a credit union is at making money has an effect on its long-term survivability. Earnings may be retained by the credit union, increasing its capital buffer, or be used to address problematic loans, potentially making the credit union better able to withstand financial shocks. Conversely, losses diminish a credit union's ability to do those things.
ROCHESTER AREA STATE EMPLOYEES scored 10 out of a possible 30 on Bankrate's test of earnings, lower than the national average of 10.11.
ROCHESTER AREA STATE EMPLOYEES had an earnings ratio of 0.00 percent in our test, above the average for all credit unions, a sign that it's running ahead of its peers in this area.