A credit union's profitability has an effect on its long-term survivability. A credit union can retain its earnings, expanding its capital cushion, or use them to address problematic loans, potentially making the credit union better able to withstand financial trouble. However, credit unions that are losing money have less ability to do those things.
SYMPHONY scored 8 out of a possible 30 on Bankrate's earnings test, below the national average of 10.11.
One indication that SYMPHONY is beating its peers in this area was its earnings ratio of 0.00 percent in our test, above the average for all credit unions.