A credit union's earnings performance has an effect on its long-term survivability. A credit union can retain its earnings, expanding its capital buffer, or put them to work addressing problematic loans, likely making the credit union more resilient in tough times. Credit unions that are losing money, however, are less able to do those things.
On Bankrate's earnings test, FINANCIAL BENEFITS scored 0 out of a possible 30, coming in below the national average of 10.31.
FINANCIAL BENEFITS had an earnings ratio of -6.00 percent in our test, lower than the average for all credit unions, suggesting that it's underperforming its peers in this area.