A credit union's ability to earn money affects its safety and soundness. Earnings can be retained by the credit union, boosting its capital cushion, or be used to address problematic loans, likely making the credit union better prepared to withstand economic trouble. Credit unions that are losing money, however, are less able to do those things.
MEMBERS 1ST received above-average marks on Bankrate's earnings test, achieving a score of 12 out of a possible 30.
The credit union had an earnings ratio of 6.00 percent in our test, above the average for all credit unions, suggesting that it's doing better than its peers in this area.