A credit union's earnings performance has an effect on its long-term survivability. 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 able to withstand economic trouble. However, credit unions that are losing money are less able to do those things.
CITY OF FIRSTS COMMUNITY scored 6 out of a possible 30 on Bankrate's test of earnings, coming in below the national average of 10.11.
One sign that CITY OF FIRSTS COMMUNITY 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.