A credit union's earnings performance affects its safety and soundness. Earnings can be retained by the credit union, giving a boost to its capital cushion, or be used to deal with problematic loans, potentially making the credit union more resilient in times of trouble. Losses, on the other hand, lessen a credit union's ability to do those things.
On Bankrate's earnings test, FIREMAN'S scored 20 out of a possible 30, above the national average of 10.11.
One sign that FIREMAN'S is outperforming its peers in this area was its earnings ratio of 0.00 percent in our test, above the average for all credit unions.