A credit union's profitability has an effect on its safety and soundness. Earnings may be retained by the credit union, expanding its capital buffer, or be used to address problematic loans, likely making the credit union better able to withstand financial shocks. Credit unions that are losing money, however, are less able to do those things.
On Bankrate's earnings test, FRANKENMUTH scored 22 out of a possible 30, beating out the national average of 10.11.
FRANKENMUTH had an earnings ratio of 0.00 percent in our test, higher than the average for all credit unions, suggesting that it's doing better than its peers in this area.