How successful a credit union is at making money has an effect on its long-term survivability. A credit union can retain its earnings, increasing its capital cushion, or put them to work addressing problematic loans, potentially making the credit union more resilient in tough times. Conversely, losses diminish a credit union's ability to do those things.
On Bankrate's test of earnings, ST. JOSEPH TEACHERS' scored 6 out of a possible 30, falling short of the national average of 10.11.
ST. JOSEPH TEACHERS' had an earnings ratio of 0.00 percent in our test, above the average for all credit unions, suggesting that it's beating its peers in this area.