A credit union's ability to earn money affects its safety and soundness. Earnings may be retained by the credit union, boosting its capital buffer, or be used to deal with problematic loans, likely making the credit union more resilient in times of trouble. However, credit unions that are losing money are less able to do those things.
On Bankrate's earnings test, FORT SMITH MUNICIPAL EMP scored 0 out of a possible 30, less than the national average of 10.11.
One indication that FORT SMITH MUNICIPAL EMP 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.