A credit union's profitability affects its safety and soundness. Earnings can be retained by the credit union, increasing its capital buffer, or be used to address problematic loans, likely making the credit union better prepared to withstand financial trouble. Losses, on the other hand, diminish a credit union's ability to do those things.
S C I scored 0 out of a possible 30 on Bankrate's test of earnings, coming in below the national average of 10.11.
The credit union had an earnings ratio of 0.00 percent in our test, better than the average for all credit unions, a sign that it's beating its peers in this area.