How successful a credit union is at making money has an effect on its long-term survivability. Earnings can be retained by the credit union, expanding its capital cushion, or be used to deal with problematic loans, likely making the credit union better prepared to withstand economic shocks. Credit unions that are losing money, however, are less able to do those things.
On Bankrate's earnings test, ST. ANDREW KIM scored 2 out of a possible 30, coming in below the national average of 10.11.
One indication that ST. ANDREW KIM is doing better than its peers in this area was its earnings ratio of 0.00 percent in our test, better than the average for all credit unions.