A credit union's profitability affects its safety and soundness. Earnings may be retained by the credit union, boosting its capital cushion, or be used to address 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.
ST. THOMAS scored 10 out of a possible 30 on Bankrate's earnings test, failing to reach the national average of 10.11.
One indication that ST. THOMAS is running ahead of its peers in this area was its earnings ratio of 0.00 percent in our test, above the average for all credit unions.