How successful a credit union is at making money has an effect on its safety and soundness. A credit union can retain its earnings, increasing its capital buffer, or put them to work addressing problematic loans, potentially making the credit union more resilient in tough times. Credit unions that are losing money, however, have less ability to do those things.
FEDCOM fell short of the national average on Bankrate's earnings test, achieving a score of 0 out of a possible 30.
One indication that FEDCOM is underperforming its peers in this area was its earnings ratio of -3.00 percent in our test, less than the average for all credit unions.