A credit union's profitability has an effect on its long-term survivability. A credit union can retain its earnings, giving a boost to its capital cushion, or use them to deal with problematic loans, potentially making the credit union better prepared to withstand financial shocks. However, credit unions that are losing money have less ability to do those things.
121 FINANCIAL scored 0 out of a possible 30 on Bankrate's test of earnings, coming in below the national average of 10.31.
121 FINANCIAL had an earnings ratio of -2.00 percent in our test, worse than the average for all credit unions, suggesting that it's running behind its peers in this area.