A credit union's earnings performance has an effect on its safety and soundness. A credit union can retain its earnings, boosting its capital buffer, or put them to work addressing problematic loans, potentially making the credit union more resilient in tough times. Losses, on the other hand, take away from a credit union's ability to do those things.
On Bankrate's earnings test, SOUTHERN MIDDLESEX CO TCHRS scored 6 out of a possible 30, failing to reach the national average of 10.11.
One sign that SOUTHERN MIDDLESEX CO TCHRS is outperforming its peers in this area was its earnings ratio of 0.00 percent in our test, above the average for all credit unions.