A credit union's earnings performance affects 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 prepared to withstand economic trouble. Obviously, credit unions that are losing money have less ability to do those things.
FOUNDERS scored 12 out of a possible 30 on Bankrate's earnings test, above the national average of 10.31.
FOUNDERS had an earnings ratio of 5.00 percent in our test, above the average for all credit unions, suggesting that it's doing better than its peers in this area.