A credit union's profitability has an effect on its long-term survivability. A credit union can retain its earnings, giving a boost to its capital cushion, or use them to address problematic loans, potentially making the credit union better able to withstand economic shocks. Conversely, losses take away from a credit union's ability to do those things.
On Bankrate's test of earnings, FIRST CITIZENS' scored 12 out of a possible 30, better than the national average of 10.11.
One sign that FIRST CITIZENS' is outperforming its peers in this area was its earnings ratio of 0.00 percent in our test, better than the average for all credit unions.