How successful a credit union is at making money has an effect on its long-term survivability. Earnings can be retained by the credit union, boosting its capital buffer, or be used to address problematic loans, potentially making the credit union better able to withstand financial shocks. Obviously, credit unions that are losing money have less ability to do those things.
On Bankrate's earnings test, CHATTANOOGA FIRST scored 4 out of a possible 30, falling short of the national average of 10.11.
CHATTANOOGA FIRST had an earnings ratio of 0.00 percent in our test, better than the average for all credit unions, suggesting that it's running ahead of its peers in this area.