A credit union's profitability affects its long-term survivability. A credit union can retain its earnings, boosting its capital buffer, or use them to deal with problematic loans, potentially making the credit union more resilient in tough times. Losses, on the other hand, diminish a credit union's ability to do those things.
SOUTH TEXAS scored 0 out of a possible 30 on Bankrate's earnings test, failing to reach the national average of 10.11.
One sign that SOUTH TEXAS is running ahead of its peers in this area was its earnings ratio of 0.00 percent in our test, better than the average for all credit unions.