How successful a credit union is at making money affects its long-term survivability. Earnings can be retained by the credit union, boosting its capital cushion, or be used to deal with problematic loans, likely making the credit union more resilient in times of trouble. Conversely, losses diminish a credit union's ability to do those things.
On Bankrate's earnings test, FAIRFAX CITY scored 0 out of a possible 30, lower than the national average of 10.31.
FAIRFAX CITY had an earnings ratio of -121.00 percent in our test, worse than the average for all credit unions, suggesting that it's performing behind its peers in this area.