How successful a credit union is at earning money has an effect on its long-term survivability. A credit union can retain its earnings, boosting its capital cushion, or use them to deal with problematic loans, likely making the credit union better able to withstand economic trouble. Conversely, losses lessen a credit union's ability to do those things.
On Bankrate's earnings test, FREEDOM scored 20 out of a possible 30, better than the national average of 10.11.
The credit union had an earnings ratio of 0.00 percent in our test, better than the average for all credit unions, an indication that it's beating its peers in this area.