How successful a credit union is at making money affects its safety and soundness. 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 economic trouble. Losses, on the other hand, take away from a credit union's ability to do those things.
On Bankrate's earnings test, FIRST MISSOURI scored 12 out of a possible 30, beating the national average of 10.31.
The credit union had an earnings ratio of 6.00 percent in our test, better than the average for all credit unions, an indication that it's running ahead of its peers in this area.