A credit union's earnings performance has an effect on its long-term survivability. Earnings may be retained by the credit union, increasing its capital cushion, or be used to address problematic loans, potentially making the credit union more resilient in times of trouble. However, credit unions that are losing money have less ability to do those things.
On Bankrate's earnings test, FLORIDA RURAL ELECTRIC scored 2 out of a possible 30, less than the national average of 10.11.
One indication that FLORIDA RURAL ELECTRIC is running ahead of its peers in this area was its earnings ratio of 0.00 percent in our test, higher than the average for all credit unions.