A credit union's ability to earn money affects its long-term survivability. Earnings can be retained by the credit union, boosting its capital cushion, or be used to deal with problematic loans, likely making the credit union more resilient in times of trouble. Obviously, credit unions that are losing money have less ability to do those things.
On Bankrate's earnings test, FIRST COMMUNITY scored 14 out of a possible 30, better than the national average of 10.11.
One indication that FIRST COMMUNITY is running ahead of its peers in this area was its earnings ratio of 0.00 percent in our test, better than the average for all credit unions.