A credit union's earnings performance has an effect on its long-term survivability. A credit union can retain its earnings, giving a boost to its capital buffer, or use them to deal with problematic loans, potentially making the credit union better able to withstand economic trouble. Losses, on the other hand, lessen a credit union's ability to do those things.
On Bankrate's test of earnings, FORT KNOX scored 16 out of a possible 30, better than the national average of 10.31.
One sign that the credit union is running ahead of its peers in this area was its earnings ratio of 8.00 percent in our test, higher than the average for all credit unions.