A credit union's ability to earn money affects 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 better able to withstand financial shocks. Losses, on the other hand, lessen a credit union's ability to do those things.
On Bankrate's test of earnings, 1ST COMMUNITY scored 16 out of a possible 30, beating out the national average of 10.11.
1ST COMMUNITY had an earnings ratio of 0.00 percent in our test, above the average for all credit unions, a sign that it's running ahead of its peers in this area.