How successful a credit union is at making money affects its long-term survivability. A credit union can retain its earnings, expanding its capital buffer, or use them to address problematic loans, potentially making the credit union better able to withstand economic shocks. Obviously, credit unions that are losing money have less ability to do those things.
On Bankrate's test of earnings, FIRST COMMUNITY CU OF BELOIT scored 18 out of a possible 30, exceeding the national average of 10.31.
One indication that the credit union is outperforming its peers in this area was its earnings ratio of 8.00 percent in our test, better than the average for all credit unions.