How successful a credit union is at making money has an effect on its safety and soundness. Earnings may be retained by the credit union, expanding its capital buffer, or be used to address problematic loans, likely making the credit union better prepared to withstand financial shocks. Credit unions that are losing money, however, have less ability to do those things.
1ST COMMUNITY exceeded the national average on Bankrate's test of earnings, achieving a score of 12 out of a possible 30.
The credit union had an earnings ratio of 5.00 percent in our test, better than the average for all credit unions, suggesting that it's beating its peers in this area.