How successful a credit union is at earning money affects its safety and soundness. Earnings can be retained by the credit union, increasing its capital buffer, or be used to address 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 earnings test, NORTH FRANKLIN scored 14 out of a possible 30, above the national average of 10.11.
One sign that NORTH FRANKLIN is outperforming its peers in this area was its earnings ratio of 0.00 percent in our test, higher than the average for all credit unions.