How successful a credit union is at earning money has an effect on its safety and soundness. Earnings may be retained by the credit union, increasing its capital cushion, or be used to address problematic loans, potentially making the credit union more resilient in times of trouble. Credit unions that are losing money, however, are less able to do those things.
TEAM FINANCIAL fell behind the national average on Bankrate's test of earnings, achieving a score of 0 out of a possible 30.
The credit union had an earnings ratio of -1.00 percent in our test, above the average for all credit unions, an indication that it's doing better than its peers in this area.