How successful a credit union is at earning money has an effect on its safety and soundness. A credit union can retain its earnings, increasing its capital cushion, or put them to work addressing problematic loans, potentially making the credit union more resilient in tough times. Losses, on the other hand, lessen a credit union's ability to do those things.
On Bankrate's test of earnings, DULUTH FIRE DEPARTMENT scored 4 out of a possible 30, lower than the national average of 10.11.
DULUTH FIRE DEPARTMENT had an earnings ratio of 0.00 percent in our test, above the average for all credit unions, an indication that it's doing better than its peers in this area.