A credit union's ability to earn money affects its safety and soundness. Earnings may be retained by the credit union, increasing its capital buffer, or be used to address problematic loans, potentially making the credit union more resilient in tough times. Obviously, credit unions that are losing money are less able to do those things.
FIRST TECHNOLOGY exceeded the national average on Bankrate's test of earnings, achieving a score of 20 out of a possible 30.
One sign that FIRST TECHNOLOGY is beating its peers in this area was its earnings ratio of 0.00 percent in our test, above the average for all credit unions.