A credit union's ability to earn money has an effect on its safety and soundness. Earnings can be retained by the credit union, expanding its capital buffer, or be used to address problematic loans, likely making the credit union more resilient in times of trouble. Losses, on the other hand, take away from a credit union's ability to do those things.
SCHOOL DISTRICT 3 scored 10 out of a possible 30 on Bankrate's test of earnings, failing to reach the national average of 10.11.
SCHOOL DISTRICT 3 had an earnings ratio of 0.00 percent in our test, above the average for all credit unions, suggesting that it's doing better than its peers in this area.