A credit union's profitability affects its long-term survivability. A credit union can retain its earnings, increasing its capital cushion, or use them to deal with problematic loans, potentially making the credit union better able to withstand financial shocks. Obviously, credit unions that are losing money are less able to do those things.
ST. ELIZABETH EMPLS. fell short of the national average on Bankrate's earnings test, achieving a score of 4 out of a possible 30.
ST. ELIZABETH EMPLS. had an earnings ratio of 1.00 percent in our test, equal to the average for all credit unions, an indication that it's right in line with its peers in this area.