How successful a credit union is at earning money affects its long-term survivability. Earnings may be retained by the credit union, boosting its capital buffer, or be used to deal with problematic loans, potentially making the credit union more resilient in times of trouble. However, credit unions that are losing money are less able to do those things.
On Bankrate's test of earnings, FIRST MIAMI UNIVERSITY STUDENT scored 30 out of a possible 30, above the national average of 10.11.
FIRST MIAMI UNIVERSITY STUDENT had an earnings ratio of 1.00 percent in our test, higher than the average for all credit unions, suggesting that it's outperforming its peers in this area.