A credit union's earnings performance has an effect on its long-term survivability. A credit union can retain its earnings, expanding its capital buffer, or put them to work addressing problematic loans, likely making the credit union more resilient in tough times. Conversely, losses reduce a credit union's ability to do those things.
URBANA POSTAL fell behind the national average on Bankrate's earnings test, achieving a score of 0 out of a possible 30.
URBANA POSTAL had an earnings ratio of 0.00 percent in our test, higher than the average for all credit unions, a sign that it's running ahead of its peers in this area.