A credit union's earnings performance has an effect on its long-term survivability. Earnings can be retained by the credit union, increasing its capital cushion, or be used to address problematic loans, potentially 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.
SAC scored 18 out of a possible 30 on Bankrate's test of earnings, above the national average of 10.11.
One sign that SAC is doing better than its peers in this area was its earnings ratio of 0.00 percent in our test, higher than the average for all credit unions.