A credit union's ability to earn money has an effect on its long-term survivability. A credit union can retain its earnings, giving a boost to its capital buffer, or put them to work addressing problematic loans, potentially making the credit union more resilient in tough times. Losses, on the other hand, reduce a credit union's ability to do those things.
FIRST CHOICE COMMUNITY scored 2 out of a possible 30 on Bankrate's earnings test, below the national average of 10.11.
FIRST CHOICE COMMUNITY had an earnings ratio of 0.00 percent in our test, above the average for all credit unions, suggesting that it's running ahead of its peers in this area.