How successful a credit union is at earning money affects its long-term survivability. Earnings may be retained by the credit union, giving a boost to its capital buffer, or be used to deal with problematic loans, likely making the credit union more resilient in times of trouble. Losses, on the other hand, take away from a credit union's ability to do those things.
On Bankrate's earnings test, ST. THOMAS EMPLOYEE scored 8 out of a possible 30, coming in below the national average of 10.11.
ST. THOMAS EMPLOYEE had an earnings ratio of 0.00 percent in our test, better than the average for all credit unions, suggesting that it's doing better than its peers in this area.