How successful a credit union is at earning money has an effect on its long-term survivability. Earnings may be retained by the credit union, expanding its capital buffer, or be used to address problematic loans, potentially making the credit union better prepared to withstand financial shocks. Losses, on the other hand, take away from a credit union's ability to do those things.
On Bankrate's earnings test, STATE FARM scored 10 out of a possible 30, coming in below the national average of 10.11.
One sign that STATE FARM is doing better than its peers in this area was its earnings ratio of 0.00 percent in our test, higher than the average for all credit unions.