How successful a credit union is at earning money affects its long-term survivability. A credit union can retain its earnings, giving a boost to its capital cushion, or use them to address problematic loans, likely making the credit union better able to withstand financial shocks. Losses, on the other hand, take away from a credit union's ability to do those things.
MODESTO'S FIRST received below-average marks on Bankrate's test of earnings, achieving a score of 10 out of a possible 30.
One sign that MODESTO'S FIRST is doing better than its peers in this area was its earnings ratio of 0.00 percent in our test, above the average for all credit unions.