A credit union's earnings performance affects its safety and soundness. A credit union can retain its earnings, giving a boost to its capital cushion, or use them to address problematic loans, potentially making the credit union more resilient in times of trouble. Credit unions that are losing money, however, have less ability to do those things.
SAN FRANCISCO FIRE beat the national average on Bankrate's test of earnings, achieving a score of 20 out of a possible 30.
One sign that the credit union is running ahead of its peers in this area was its earnings ratio of 11.00 percent in our test, better than the average for all credit unions.