How successful a credit union is at earning money has an effect on its long-term survivability. Earnings can be retained by the credit union, boosting its capital buffer, or be used to deal with problematic loans, likely making the credit union better prepared to withstand financial trouble. Obviously, credit unions that are losing money are less able to do those things.
On Bankrate's earnings test, NIAGARA FALLS A F scored 8 out of a possible 30, falling short of the national average of 10.11.
One indication that NIAGARA FALLS A F is beating its peers in this area was its earnings ratio of 0.00 percent in our test, better than the average for all credit unions.