How successful a credit union is at earning money affects its long-term survivability. Earnings may be retained by the credit union, giving a boost to its capital buffer, or be used to address problematic loans, potentially making the credit union better prepared to withstand financial trouble. Losses, on the other hand, reduce a credit union's ability to do those things.
On Bankrate's earnings test, SCOTT AND WHITE EMPLOYEES scored 0 out of a possible 30, coming in below the national average of 10.11.
One indication that SCOTT AND WHITE EMPLOYEES is doing better than its peers in this area was its earnings ratio of 0.00 percent in our test, better than the average for all credit unions.