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 cushion, or be used to address problematic loans, likely making the credit union better prepared to withstand financial trouble. Obviously, credit unions that are losing money are less able to do those things.
ST. JULES scored 0 out of a possible 30 on Bankrate's test of earnings, less than the national average of 10.31.
ST. JULES had an earnings ratio of -1.00 percent in our test, below the average for all credit unions, a sign that it's performing behind its peers in this area.