A credit union's earnings performance has an effect on its long-term survivability. Earnings may be retained by the credit union, increasing its capital cushion, or be used to deal with problematic loans, likely making the credit union more resilient in times of trouble. Losses, on the other hand, take away from a credit union's ability to do those things.
SOUTH CENTRAL scored 10 out of a possible 30 on Bankrate's earnings test, lower than the national average of 10.11.
One indication that SOUTH CENTRAL is outperforming its peers in this area was its earnings ratio of 0.00 percent in our test, better than the average for all credit unions.