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 buffer, or use them to deal with problematic loans, likely making the credit union better able to withstand economic trouble. Obviously, credit unions that are losing money are less able to do those things.
COMMUNITY 1ST scored 10 out of a possible 30 on Bankrate's test of earnings, coming in below the national average of 10.31.
COMMUNITY 1ST had an earnings ratio of 5.00 percent in our test, higher than the average for all credit unions, suggesting that it's outperforming its peers in this area.