A credit union's earnings performance has an effect on its long-term survivability. Earnings can be retained by the credit union, increasing its capital cushion, or be used to deal with problematic loans, potentially making the credit union better able to withstand economic trouble. Losses, on the other hand, lessen a credit union's ability to do those things.
On Bankrate's earnings test, SCHOOLS scored 30 out of a possible 30, beating the national average of 10.11.
One sign that SCHOOLS is doing better than its peers in this area was its earnings ratio of 0.00 percent in our test, above the average for all credit unions.