A credit union's ability to earn money has an effect on its long-term survivability. A credit union can retain its earnings, expanding its capital cushion, or put them to work addressing problematic loans, likely making the credit union more resilient in tough times. Losses, on the other hand, reduce a credit union's ability to do those things.
On Bankrate's earnings test, SELF-HELP scored 0 out of a possible 30, below the national average of 10.11.
One indication that SELF-HELP is outperforming its peers in this area was its earnings ratio of 0.00 percent in our test, above the average for all credit unions.