A credit union's ability to earn money affects its long-term survivability. Earnings may be retained by the credit union, increasing its capital cushion, or be used to deal with problematic loans, likely making the credit union more resilient in times of trouble. Conversely, losses lessen a credit union's ability to do those things.
PROSPECTORS FCU scored 10 out of a possible 30 on Bankrate's test of earnings, falling short of the national average of 10.11.
PROSPECTORS FCU had an earnings ratio of 0.00 percent in our test, better than the average for all credit unions, suggesting that it's doing better than its peers in this area.