A credit union's earnings performance affects its safety and soundness. A credit union can retain its earnings, increasing its capital cushion, or put them to work addressing problematic loans, likely making the credit union more resilient in times of trouble. Credit unions that are losing money, however, are less able to do those things.
ST. STEPHEN'S received below-average marks on Bankrate's test of earnings, achieving a score of 6 out of a possible 30.
One indication that ST. STEPHEN'S is doing better than its peers in this area was its earnings ratio of 2.00 percent in our test, above the average for all credit unions.