A credit union's ability to earn money affects its long-term survivability. A credit union can retain its earnings, giving a boost to its capital cushion, or use them to address problematic loans, likely making the credit union more resilient in times of trouble. Credit unions that are losing money, however, have less ability to do those things.
On Bankrate's earnings test, SOUTH TEXAS AREA RESOURCES scored 0 out of a possible 30, falling short of the national average of 10.11.
SOUTH TEXAS AREA RESOURCES had an earnings ratio of 0.00 percent in our test, higher than the average for all credit unions, suggesting that it's running ahead of its peers in this area.