A credit union's earnings performance affects its safety and soundness. A credit union can retain its earnings, increasing its capital cushion, or use them to deal with problematic loans, potentially making the credit union more resilient in times of trouble. Losses, on the other hand, reduce a credit union's ability to do those things.
On Bankrate's test of earnings, N.F.G. #2 scored 6 out of a possible 30, below the national average of 10.11.
One sign that N.F.G. #2 is running ahead of its peers in this area was its earnings ratio of 0.00 percent in our test, above the average for all credit unions.