How successful a credit union is at making money affects its safety and soundness. A credit union can retain its earnings, giving a boost to its capital cushion, or put them to work addressing problematic loans, likely making the credit union better able to withstand economic shocks. However, credit unions that are losing money have less ability to do those things.
On Bankrate's test of earnings, MEMBERS FIRST scored 18 out of a possible 30, beating out the national average of 10.11.
MEMBERS FIRST had an earnings ratio of 0.00 percent in our test, higher than the average for all credit unions, suggesting that it's outperforming its peers in this area.