A credit union's profitability affects its long-term survivability. Earnings may be retained by the credit union, giving a boost to its capital cushion, or be used to deal with problematic loans, potentially making the credit union better prepared to withstand financial shocks. Conversely, losses reduce a credit union's ability to do those things.
FLORIDA A & M UNIVERSITY scored 30 out of a possible 30 on Bankrate's earnings test, better than the national average of 10.11.
FLORIDA A & M UNIVERSITY had an earnings ratio of 0.00 percent in our test, better than the average for all credit unions, suggesting that it's outperforming its peers in this area.