A credit union's earnings performance affects its long-term survivability. Earnings can be retained by the credit union, giving a boost to its capital buffer, or be used to address problematic loans, likely making the credit union better able to withstand economic trouble. Losses, on the other hand, diminish a credit union's ability to do those things.
On Bankrate's test of earnings, STAR HARBOR scored 0 out of a possible 30, falling short of the national average of 10.31.
One sign that STAR HARBOR is performing behind its peers in this area was its earnings ratio of -52.00 percent in our test, less than the average for all credit unions.