How successful a credit union is at earning money affects its safety and soundness. A credit union can retain its earnings, expanding its capital cushion, or put them to work addressing problematic loans, potentially making the credit union better able to withstand economic trouble. Obviously, credit unions that are losing money have less ability to do those things.
On Bankrate's test of earnings, FIRST FINANCIAL scored 10 out of a possible 30, falling short of the national average of 10.11.
FIRST FINANCIAL had an earnings ratio of 0.00 percent in our test, above the average for all credit unions, an indication that it's outperforming its peers in this area.