A credit union's ability to earn money has an effect on its long-term survivability. A credit union can retain its earnings, increasing its capital cushion, or put them to work addressing problematic loans, likely making the credit union more resilient in tough times. However, credit unions that are losing money have less ability to do those things.
On Bankrate's earnings test, 1ST ADVANTAGE scored 6 out of a possible 30, less than the national average of 10.31.
The credit union had an earnings ratio of 3.00 percent in our test, higher than the average for all credit unions, suggesting that it's beating its peers in this area.