How successful a credit union is at earning money has an effect on its long-term survivability. Earnings can be retained by the credit union, boosting its capital cushion, or be used to deal with problematic loans, potentially making the credit union more resilient in times of trouble. Credit unions that are losing money, however, have less ability to do those things.
FIRST CHOICE FINANCIAL outperformed the average on Bankrate's test of earnings, achieving a score of 14 out of a possible 30.
One sign that FIRST CHOICE FINANCIAL is doing better than its peers in this area was its earnings ratio of 0.00 percent in our test, higher than the average for all credit unions.