How successful a credit union is at earning money affects its long-term survivability. Earnings may be retained by the credit union, expanding its capital cushion, or be used to deal with problematic loans, likely making the credit union better able to withstand economic shocks. Credit unions that are losing money, however, have less ability to do those things.
FIRST COUNTY underperformed the average on Bankrate's earnings test, achieving a score of 4 out of a possible 30.
One indication that FIRST COUNTY is outperforming its peers in this area was its earnings ratio of 0.00 percent in our test, above the average for all credit unions.