How successful a credit union is at earning money has an effect on its long-term survivability. A credit union can retain its earnings, increasing its capital cushion, or use them to deal with problematic loans, likely making the credit union more resilient in tough times. However, credit unions that are losing money are less able to do those things.
FINANCIAL fell short of the national average on Bankrate's earnings test, achieving a score of 0 out of a possible 30.
One sign that FINANCIAL is lagging behind its peers in this area was its earnings ratio of -2.00 percent in our test, below the average for all credit unions.