How successful a credit union is at earning money has an effect on its safety and soundness. Earnings may be retained by the credit union, giving a boost to its capital buffer, or be used to deal with problematic loans, likely making the credit union more resilient in tough times. Credit unions that are losing money, however, have less ability to do those things.
FIRST TECHNOLOGY exceeded the national average on Bankrate's earnings test, achieving a score of 18 out of a possible 30.
The credit union had an earnings ratio of 9.00 percent in our test, higher than the average for all credit unions, suggesting that it's running ahead of its peers in this area.