A credit union's ability to earn money affects its safety and soundness. Earnings may be retained by the credit union, increasing its capital cushion, or be used to deal with problematic loans, potentially making the credit union better able to withstand financial shocks. Losses, on the other hand, diminish a credit union's ability to do those things.
FRONTIER FINANCIAL scored 22 out of a possible 30 on Bankrate's earnings test, beating the national average of 10.31.
The credit union had an earnings ratio of 12.00 percent in our test, better than the average for all credit unions, an indication that it's outperforming its peers in this area.