A credit union's profitability has an effect on its long-term survivability. Earnings may be retained by the credit union, giving a boost to its capital buffer, or be used to address problematic loans, potentially making the credit union better able to withstand financial shocks. Conversely, losses lessen a credit union's ability to do those things.
On Bankrate's test of earnings, ST. JOHNS BUFFALO scored 2 out of a possible 30, failing to reach the national average of 10.11.
ST. JOHNS BUFFALO had an earnings ratio of 0.00 percent in our test, higher than the average for all credit unions, a sign that it's running ahead of its peers in this area.