A credit union's ability to earn money has an effect on its long-term survivability. A credit union can retain its earnings, expanding its capital buffer, or use them to address problematic loans, likely making the credit union more resilient in times of trouble. Losses, on the other hand, take away from a credit union's ability to do those things.
FIRST HERITAGE beat the national average on Bankrate's test of earnings, achieving a score of 12 out of a possible 30.
One indication that FIRST HERITAGE is outperforming its peers in this area was its earnings ratio of 0.00 percent in our test, better than the average for all credit unions.