How successful a credit union is at making money affects its safety and soundness. A credit union can retain its earnings, boosting its capital buffer, or put them to work addressing problematic loans, potentially making the credit union better prepared to withstand financial trouble. Losses, on the other hand, reduce a credit union's ability to do those things.
FIRST BAPTIST CHURCH (STRATFORD) scored 0 out of a possible 30 on Bankrate's earnings test, less than the national average of 10.11.
One indication that FIRST BAPTIST CHURCH (STRATFORD) 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.