A credit union's earnings performance has an effect on its long-term survivability. A credit union can retain its earnings, increasing its capital buffer, or use them to deal with problematic loans, potentially making the credit union better able to withstand financial shocks. Obviously, credit unions that are losing money have less ability to do those things.
On Bankrate's earnings test, FRIENDS AND FAMILY CREDIT UNION INC scored 6 out of a possible 30, lower than the national average of 10.11.
One sign that FRIENDS AND FAMILY CREDIT UNION INC is outperforming its peers in this area was its earnings ratio of 0.00 percent in our test, above the average for all credit unions.