How successful a credit union is at making money has an effect on its long-term survivability. A credit union can retain its earnings, boosting its capital buffer, or put them to work addressing problematic loans, likely making the credit union better prepared to withstand financial shocks. Losses, on the other hand, lessen a credit union's ability to do those things.
On Bankrate's earnings test, FIRST CHOICE AMERICA COMMUNITY scored 8 out of a possible 30, lower than the national average of 10.11.
FIRST CHOICE AMERICA COMMUNITY had an earnings ratio of 0.00 percent in our test, above the average for all credit unions, suggesting that it's doing better than its peers in this area.