A credit union's profitability affects its safety and soundness. Earnings can be retained by the credit union, increasing its capital cushion, or be used to address problematic loans, potentially making the credit union better prepared to withstand financial trouble. However, credit unions that are losing money have less ability to do those things.
FIRST FAMILY scored 10 out of a possible 30 on Bankrate's earnings test, less than the national average of 10.11.
FIRST FAMILY had an earnings ratio of 0.00 percent in our test, above the average for all credit unions, suggesting that it's doing better than its peers in this area.