A credit union's profitability affects its safety and soundness. Earnings can be retained by the credit union, boosting its capital cushion, or be used to deal with problematic loans, likely making the credit union better prepared to withstand financial trouble. Losses, on the other hand, take away from a credit union's ability to do those things.
On Bankrate's test of earnings, SAN FERNANDO VALLEY JAPANESE scored 0 out of a possible 30, falling short of the national average of 10.11.
One sign that SAN FERNANDO VALLEY JAPANESE is running ahead of its peers in this area was its earnings ratio of 0.00 percent in our test, better than the average for all credit unions.