A credit union's ability to earn money has an effect on its safety and soundness. A credit union can retain its earnings, giving a boost to its capital buffer, or put them to work addressing problematic loans, potentially making the credit union more resilient in tough times. Credit unions that are losing money, however, are less able to do those things.
TSU fell behind the national average on Bankrate's earnings test, 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, a sign that it's running ahead of its peers in this area.