How successful a credit union is at earning money affects its safety and soundness. A credit union can retain its earnings, expanding its capital buffer, or use them to deal with problematic loans, likely making the credit union more resilient in times of trouble. Credit unions that are losing money, however, have less ability to do those things.
On Bankrate's earnings test, FIRST U.S. COMMUNITY scored 16 out of a possible 30, better than the national average of 10.31.
One sign that the credit union is doing better than its peers in this area was its earnings ratio of 8.00 percent in our test, higher than the average for all credit unions.