How successful a credit union is at earning money has an effect on its long-term survivability. A credit union can retain its earnings, boosting its capital cushion, or put them to work addressing problematic loans, likely making the credit union better able to withstand financial shocks. Obviously, credit unions that are losing money are less able to do those things.
On Bankrate's test of earnings, STEWART'S scored 18 out of a possible 30, better than the national average of 10.11.
One sign that STEWART'S is outperforming its peers in this area was its earnings ratio of 0.00 percent in our test, above the average for all credit unions.