A credit union's ability to earn money has an effect on its long-term survivability. Earnings can be retained by the credit union, boosting its capital buffer, or be used to deal with problematic loans, potentially making the credit union better prepared to withstand financial trouble. Credit unions that are losing money, however, have less ability to do those things.
On Bankrate's test of earnings, MEMBERS "FIRST" COMMUNITY scored 22 out of a possible 30, above 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 12.00 percent in our test, better than the average for all credit unions.