How successful a credit union is at earning money has an effect on its safety and soundness. Earnings can be retained by the credit union, expanding its capital cushion, or be used to address problematic loans, likely making the credit union better prepared to withstand financial shocks. Conversely, losses lessen a credit union's ability to do those things.
FEDCHOICE scored 0 out of a possible 30 on Bankrate's earnings test, failing to reach the national average of 10.11.
One indication that FEDCHOICE is doing better than its peers in this area was its earnings ratio of 0.00 percent in our test, better than the average for all credit unions.