A credit union's profitability has an effect on its long-term survivability. Earnings can be retained by the credit union, expanding its capital buffer, or be used to deal with problematic loans, likely making the credit union better able to withstand financial shocks. Conversely, losses lessen a credit union's ability to do those things.
THE SOUTHERN did below-average on Bankrate's test of earnings, achieving a score of 8 out of a possible 30.
One indication that THE SOUTHERN is beating its peers in this area was its earnings ratio of 0.00 percent in our test, higher than the average for all credit unions.