A credit union's profitability affects its long-term survivability. A credit union can retain its earnings, giving a boost to its capital cushion, or put them to work addressing problematic loans, likely making the credit union more resilient in tough times. Credit unions that are losing money, however, have less ability to do those things.
On Bankrate's test of earnings, POLICE & FIRE scored 16 out of a possible 30, exceeding the national average of 10.31.
POLICE & FIRE had an earnings ratio of 8.00 percent in our test, better than the average for all credit unions, suggesting that it's running ahead of its peers in this area.