How successful a credit union is at earning money affects its safety and soundness. Earnings can be retained by the credit union, increasing its capital cushion, or be used to deal with problematic loans, likely making the credit union more resilient in tough times. However, credit unions that are losing money are less able to do those things.
On Bankrate's test of earnings, FRANKLIN JOHNSTOWN scored 4 out of a possible 30, below the national average of 10.11.
FRANKLIN JOHNSTOWN had an earnings ratio of 0.00 percent in our test, better than the average for all credit unions, suggesting that it's running ahead of its peers in this area.