A credit union's profitability affects its long-term survivability. Earnings may be retained by the credit union, expanding its capital buffer, or be used to address problematic loans, likely making the credit union better able to withstand financial trouble. Losses, on the other hand, lessen a credit union's ability to do those things.
AMERICA'S FIRST beat the national average on Bankrate's earnings test, achieving a score of 12 out of a possible 30.
One sign that AMERICA'S FIRST is beating its peers in this area was its earnings ratio of 0.00 percent in our test, above the average for all credit unions.