A credit union's profitability affects its long-term survivability. Earnings can be retained by the credit union, giving a boost to its capital buffer, or be used to address problematic loans, potentially making the credit union better able to withstand economic shocks. Obviously, credit unions that are losing money are less able to do those things.
On Bankrate's earnings test, WICHITA FALLS TEACHERS scored 10 out of a possible 30, falling short of the national average of 10.11.
One sign that WICHITA FALLS TEACHERS is doing better than its peers in this area was its earnings ratio of 0.00 percent in our test, higher than the average for all credit unions.