A credit union's earnings performance affects its long-term survivability. Earnings may be retained by the credit union, increasing its capital cushion, or be used to address problematic loans, likely making the credit union more resilient in tough times. Conversely, losses lessen a credit union's ability to do those things.
On Bankrate's earnings test, SHEET METAL WORKERS scored 2 out of a possible 30, less than the national average of 10.11.
One indication that SHEET METAL WORKERS is beating its peers in this area was its earnings ratio of 0.00 percent in our test, above the average for all credit unions.