A credit union's ability to earn money has an effect on its safety and soundness. Earnings can be retained by the credit union, giving a boost to its capital cushion, or be used to deal with problematic loans, potentially making the credit union better prepared to withstand financial shocks. Credit unions that are losing money, however, are less able to do those things.
PROSPECTORS FCU did below-average on Bankrate's earnings test, achieving a score of 10 out of a possible 30.
The credit union had an earnings ratio of 4.00 percent in our test, higher than the average for all credit unions, a sign that it's beating its peers in this area.