A credit union's ability to earn money affects its long-term survivability. A credit union can retain its earnings, boosting its capital buffer, or put them to work addressing problematic loans, likely making the credit union better able to withstand economic trouble. Conversely, losses reduce a credit union's ability to do those things.
On Bankrate's test of earnings, FIRSTLIGHT scored 14 out of a possible 30, above the national average of 10.11.
FIRSTLIGHT had an earnings ratio of 0.00 percent in our test, better than the average for all credit unions, a sign that it's doing better than its peers in this area.