A credit union's ability to earn money has an effect on its safety and soundness. A credit union can retain its earnings, expanding its capital cushion, or put them to work addressing problematic loans, likely making the credit union more resilient in tough times. Credit unions that are losing money, however, have less ability to do those things.
On Bankrate's earnings test, PARTNERS 1ST scored 4 out of a possible 30, less than the national average of 10.11.
One sign that PARTNERS 1ST 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.