How successful a credit union is at making money has an effect on its long-term survivability. A credit union can retain its earnings, boosting its capital buffer, or put them to work addressing problematic loans, likely making the credit union better prepared to withstand economic shocks. Conversely, losses diminish a credit union's ability to do those things.
On Bankrate's test of earnings, S M scored 2 out of a possible 30, less than the national average of 10.31.
S M had an earnings ratio of 0.00 percent in our test, lower than the average for all credit unions, suggesting that it's underperforming its peers in this area.