A credit union's profitability affects its safety and soundness. Earnings can be retained by the credit union, giving a boost to its capital buffer, or be used to deal with problematic loans, likely making the credit union better able to withstand financial shocks. Losses, on the other hand, reduce a credit union's ability to do those things.
On Bankrate's earnings test, U. T. scored 18 out of a possible 30, beating out the national average of 10.11.
One sign that U. T. is doing better than its peers in this area was its earnings ratio of 0.00 percent in our test, above the average for all credit unions.