A credit union's profitability affects its safety and soundness. Earnings may be retained by the credit union, boosting its capital buffer, or be used to deal with problematic loans, likely making the credit union more resilient in tough times. However, credit unions that are losing money are less able to do those things.
SOCIAL SECURITY scored 6 out of a possible 30 on Bankrate's earnings test, less than the national average of 10.11.
SOCIAL SECURITY had an earnings ratio of 0.00 percent in our test, above the average for all credit unions, suggesting that it's doing better than its peers in this area.