A credit union's profitability has an effect on its safety and soundness. Earnings can be retained by the credit union, boosting its capital cushion, or be used to deal with problematic loans, potentially making the credit union better able to withstand financial trouble. Losses, on the other hand, lessen a credit union's ability to do those things.
On Bankrate's earnings test, UNIVERSITY SETTLEMENT scored 6 out of a possible 30, falling short of the national average of 10.11.
One indication that UNIVERSITY SETTLEMENT 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.