A credit union's earnings performance has an effect on its long-term survivability. Earnings can be retained by the credit union, increasing its capital cushion, or be used to address problematic loans, likely making the credit union more resilient in tough times. Conversely, losses reduce a credit union's ability to do those things.
On Bankrate's earnings test, FOOTHILL scored 18 out of a possible 30, above the national average of 10.31.
The credit union had an earnings ratio of 8.00 percent in our test, better than the average for all credit unions, suggesting that it's beating its peers in this area.