How successful a credit union is at earning money affects its long-term survivability. A credit union can retain its earnings, expanding its capital buffer, or use them to deal with problematic loans, likely making the credit union better able to withstand economic trouble. Conversely, losses take away from a credit union's ability to do those things.
On Bankrate's test of earnings, 1ST UNITED SERVICES scored 10 out of a possible 30, less than the national average of 10.31.
One sign that 1ST UNITED SERVICES is doing better than its peers in this area was its earnings ratio of 4.00 percent in our test, above the average for all credit unions.