How successful a credit union is at making money has an effect on its safety and soundness. A credit union can retain its earnings, giving a boost to its capital cushion, or put them to work addressing problematic loans, likely making the credit union more resilient in tough times. Credit unions that are losing money, however, are less able to do those things.
On Bankrate's earnings test, 1ST CHOICE scored 2 out of a possible 30, coming in below the national average of 10.31.
1ST CHOICE had an earnings ratio of 0.00 percent in our test, below the average for all credit unions, an indication that it's running behind its peers in this area.