A credit union's profitability has an effect on its safety and soundness. Earnings can be retained by the credit union, boosting its capital buffer, or be used to address problematic loans, likely making the credit union better able to withstand economic shocks. Conversely, losses lessen a credit union's ability to do those things.
WEST COAST FEDERAL EMP. did below-average on Bankrate's earnings test, achieving a score of 0 out of a possible 30.
One indication that WEST COAST FEDERAL EMP. is performing behind its peers in this area was its earnings ratio of -36.00 percent in our test, lower than the average for all credit unions.