How successful a credit union is at making money has an effect on its long-term survivability. Earnings can be retained by the credit union, giving a boost to its capital cushion, or be used to deal with problematic loans, likely making the credit union better able to withstand economic trouble. Losses, on the other hand, reduce a credit union's ability to do those things.
FIRST CHOICE underperformed the average on Bankrate's test of earnings, achieving a score of 8 out of a possible 30.
One sign that FIRST CHOICE 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.