A credit union's profitability affects its long-term survivability. Earnings may be retained by the credit union, expanding its capital buffer, or be used to deal with problematic loans, likely making the credit union better able to withstand economic shocks. Losses, on the other hand, diminish a credit union's ability to do those things.
FIRST SECURITY fell short of the national average on Bankrate's earnings test, achieving a score of 0 out of a possible 30.
FIRST SECURITY had an earnings ratio of 0.00 percent in our test, above the average for all credit unions, a sign that it's beating its peers in this area.