How successful a credit union is at earning money affects its long-term survivability. Earnings may be retained by the credit union, expanding its capital buffer, or be used to deal with problematic loans, potentially making the credit union more resilient in times of trouble. Losses, on the other hand, diminish a credit union's ability to do those things.
On Bankrate's earnings test, FIRST CAPITAL scored 16 out of a possible 30, beating the national average of 10.11.
FIRST CAPITAL had an earnings ratio of 0.00 percent in our test, higher than the average for all credit unions, suggesting that it's doing better than its peers in this area.