A credit union's profitability has an effect on its long-term survivability. Earnings may be retained by the credit union, giving a boost to its capital cushion, or be used to deal with problematic loans, potentially making the credit union more resilient in times of trouble. However, credit unions that are losing money have less ability to do those things.
On Bankrate's test of earnings, S AND J SCHOOL EMPLOYEES scored 8 out of a possible 30, coming in below the national average of 10.11.
One sign that S AND J SCHOOL EMPLOYEES is doing better than its peers in this area was its earnings ratio of 0.00 percent in our test, better than the average for all credit unions.