A credit union's ability to earn money has an effect on its safety and soundness. A credit union can retain its earnings, giving a boost to its capital buffer, or put them to work addressing problematic loans, potentially making the credit union more resilient in tough times. Losses, on the other hand, reduce a credit union's ability to do those things.
SAFEWAY did below-average on Bankrate's test of earnings, achieving a score of 6 out of a possible 30.
One indication that SAFEWAY is beating its peers in this area was its earnings ratio of 0.00 percent in our test, above the average for all credit unions.