How successful a credit union is at making money affects its long-term survivability. A credit union can retain its earnings, boosting its capital cushion, or put them to work addressing problematic loans, potentially making the credit union more resilient in times of trouble. Obviously, credit unions that are losing money are less able to do those things.
FIRST SOUTH FINANCIAL exceeded the national average on Bankrate's test of earnings, achieving a score of 14 out of a possible 30.
FIRST SOUTH FINANCIAL had an earnings ratio of 0.00 percent in our test, higher than the average for all credit unions, suggesting that it's outperforming its peers in this area.