A credit union's earnings performance has an effect on its safety and soundness. A credit union can retain its earnings, increasing its capital cushion, or put them to work addressing problematic loans, potentially making the credit union better prepared to withstand economic shocks. Losses, on the other hand, take away from a credit union's ability to do those things.
On Bankrate's earnings test, SAN TAN scored 4 out of a possible 30, failing to reach the national average of 10.11.
One indication that SAN TAN is beating its peers in this area was its earnings ratio of 0.00 percent in our test, higher than the average for all credit unions.