A credit union's earnings performance affects its safety and soundness. A credit union can retain its earnings, boosting its capital cushion, or put them to work addressing problematic loans, likely making the credit union more resilient in times of trouble. Obviously, credit unions that are losing money are less able to do those things.
AFFINITY FIRST beat the national average on Bankrate's earnings test, achieving a score of 18 out of a possible 30.
One sign that AFFINITY FIRST is running ahead of its peers in this area was its earnings ratio of 0.00 percent in our test, above the average for all credit unions.