A credit union's profitability has an effect on its safety and soundness. Earnings can be retained by the credit union, expanding its capital buffer, or be used to deal with problematic loans, potentially making the credit union more resilient in tough times. Credit unions that are losing money, however, are less able to do those things.
On Bankrate's earnings test, SCHOOL DISTRICTS 162/163 EMPLOYEES scored 0 out of a possible 30, less than the national average of 10.11.
One indication that SCHOOL DISTRICTS 162/163 EMPLOYEES is running ahead of its peers in this area was its earnings ratio of 0.00 percent in our test, above the average for all credit unions.