How successful a credit union is at earning money affects its long-term survivability. A credit union can retain its earnings, giving a boost to its capital cushion, or put them to work addressing problematic loans, likely making the credit union more resilient in tough times. Conversely, losses reduce a credit union's ability to do those things.
STEPHENS-FRANKLIN TEACHERS underperformed the average on Bankrate's earnings test, achieving a score of 6 out of a possible 30.
The credit union had an earnings ratio of 0.00 percent in our test, higher than the average for all credit unions, a sign that it's beating its peers in this area.