How successful a credit union is at making money affects its long-term survivability. Earnings can be retained by the credit union, increasing its capital cushion, or be used to address problematic loans, potentially making the credit union better able to withstand economic shocks. Losses, on the other hand, reduce a credit union's ability to do those things.
On Bankrate's earnings test, FELLOWSHIP scored 2 out of a possible 30, less than the national average of 10.11.
One sign that FELLOWSHIP is beating its peers in this area was its earnings ratio of 0.00 percent in our test, above the average for all credit unions.