How successful a credit union is at making money has an effect on its safety and soundness. Earnings can be retained by the credit union, increasing its capital cushion, or be used to deal with problematic loans, likely making the credit union better prepared to withstand economic trouble. Losses, on the other hand, reduce a credit union's ability to do those things.
On Bankrate's earnings test, COMMUNITY FIRST CREDIT UNION OF FLO scored 14 out of a possible 30, beating out the national average of 10.11.
One indication that COMMUNITY FIRST CREDIT UNION OF FLO is running ahead of its peers in this area was its earnings ratio of 0.00 percent in our test, higher than the average for all credit unions.