How successful a credit union is at making money affects 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 better able to withstand economic shocks. Losses, on the other hand, take away from a credit union's ability to do those things.
On Bankrate's test of earnings, SOUTH SHOP scored 4 out of a possible 30, less than the national average of 10.11.
One indication that SOUTH SHOP 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.