How successful a credit union is at making money affects its safety and soundness. Earnings can be retained by the credit union, increasing its capital buffer, or be used to address problematic loans, potentially making the credit union better prepared to withstand economic shocks. Conversely, losses lessen a credit union's ability to do those things.
On Bankrate's test of earnings, CITIZENS EQUITY FIRST scored 12 out of a possible 30, exceeding the national average of 10.11.
One indication that CITIZENS EQUITY FIRST is running ahead of its peers in this area was its earnings ratio of 0.00 percent in our test, better than the average for all credit unions.