How successful a credit union is at earning money has an effect on its long-term survivability. A credit union can retain its earnings, increasing its capital buffer, or put them to work addressing problematic loans, potentially making the credit union better able to withstand financial shocks. Conversely, losses reduce a credit union's ability to do those things.
On Bankrate's test of earnings, FREESTONE scored 6 out of a possible 30, lower than the national average of 10.11.
One indication that FREESTONE is beating its peers in this area was its earnings ratio of 0.00 percent in our test, higher than the average for all credit unions.