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She's only just turned 2 this month, and as a foal she was only going to earn half points. If you train her she will move up to a better class and so hopefully earn a bit more.
So personally I would keep her for a bit longer to see.

With a 10.8 PT, she's going to go bouncing up the Level/Grade ladder rather quickly, scarcely pausing to show more than once at any one of them. Every time you train her, she'll add about 9 points to her show score. There is approximately a 10 point show score spread in every Level/Grade (ex. 2L where she is now.) Wait and see where she levels off before you give up on her as a money-maker.

When determining whether a show horse is good or not you really can’t tell until they’re older.

Higher PT horses will shoot through the lower levels and sort of flounder about until they find their footing.

Lower PT horses may not train up to the higher levels but tend to stick in the lower levels a bit longer before moving up which is why a wide range of PT scores is ideal when starting out.

The lower PT will cover your show bonus a bit until your higher PT horses find their footing and start earning serious points.

When I used to cull I’d never even look at a show horse until it had leveled off. Then I would just check to see if it was placing in a decent spot (all but the last place horse earns points) and that it had a good number of overall points to add to my bonus. If I really needed a stall I’d cull the last overall point earners from each age group starting at the oldest and working my way down to the younger horses but would stop between 9 & 10.

Of course now my show herd earns its keep without issue so I keep everything because by the time I fill the latest 1000stall show barn the horses in it (and the others) have earned enough hbs to buy another 1000stall barn so I no longer need to micromanage my show herd to keep it in line.