How successful a credit union is at earning money affects its long-term survivability. A credit union can retain its earnings, expanding its capital buffer, or put them to work addressing problematic loans, potentially making the credit union more resilient in times of trouble. However, credit unions that are losing money are less able to do those things.
FINANCIAL ADVANTAGE scored 4 out of a possible 30 on Bankrate's earnings test, less than the national average of 10.11.
FINANCIAL ADVANTAGE had an earnings ratio of 0.00 percent in our test, higher than the average for all credit unions, suggesting that it's running ahead of its peers in this area.