How successful a credit union is at making money has an effect on its safety and soundness. A credit union can retain its earnings, giving a boost to its capital cushion, or put them to work addressing problematic loans, potentially making the credit union better able to withstand economic trouble. Conversely, losses reduce a credit union's ability to do those things.
1ST GATEWAY received above-average marks on Bankrate's earnings test, achieving a score of 18 out of a possible 30.
One sign that 1ST GATEWAY is doing better than its peers in this area was its earnings ratio of 0.00 percent in our test, above the average for all credit unions.