A credit union's earnings performance has an effect on its safety and soundness. A credit union can retain its earnings, increasing its capital cushion, or put them to work addressing problematic loans, likely making the credit union better able to withstand financial shocks. Conversely, losses diminish a credit union's ability to do those things.
UNIVERSAL scored 2 out of a possible 30 on Bankrate's test of earnings, less than the national average of 10.11.
UNIVERSAL had an earnings ratio of 0.00 percent in our test, above the average for all credit unions, suggesting that it's beating its peers in this area.