A credit union's ability to earn money affects its long-term survivability. Earnings can be retained by the credit union, boosting its capital buffer, or be used to deal with problematic loans, potentially making the credit union better able to withstand financial shocks. Conversely, losses lessen a credit union's ability to do those things.
On Bankrate's test of earnings, AMERICAN FIRST scored 16 out of a possible 30, exceeding the national average of 10.11.
The credit union had an earnings ratio of 0.00 percent in our test, above the average for all credit unions, suggesting that it's outperforming its peers in this area.