A credit union's earnings performance affects its long-term survivability. A credit union can retain its earnings, expanding its capital buffer, or use them to address problematic loans, likely making the credit union better prepared to withstand economic trouble. However, credit unions that are losing money have less ability to do those things.
On Bankrate's earnings test, STAR OF TEXAS scored 8 out of a possible 30, below the national average of 10.11.
One indication that STAR OF TEXAS is outperforming its peers in this area was its earnings ratio of 0.00 percent in our test, higher than the average for all credit unions.