How successful a credit union is at making money affects its long-term survivability. Earnings can be retained by the credit union, giving a boost to its capital cushion, or be used to address problematic loans, likely making the credit union better able to withstand financial trouble. Conversely, losses diminish a credit union's ability to do those things.
FIRST ILLINOIS scored 0 out of a possible 30 on Bankrate's test of earnings, failing to reach the national average of 10.31.
One sign that FIRST ILLINOIS is running behind its peers in this area was its earnings ratio of -141.00 percent in our test, less than the average for all credit unions.