A credit union's earnings performance has an effect on its long-term survivability. Earnings can be retained by the credit union, boosting its capital cushion, or be used to address problematic loans, potentially making the credit union more resilient in times of trouble. Credit unions that are losing money, however, have less ability to do those things.
FERGUSON received above-average marks on Bankrate's earnings test, achieving a score of 18 out of a possible 30.
One indication that FERGUSON is beating its peers in this area was its earnings ratio of 0.00 percent in our test, higher than the average for all credit unions.