How successful a credit union is at earning money has an effect on its safety and soundness. A credit union can retain its earnings, giving a boost to its capital buffer, or put them to work addressing problematic loans, likely making the credit union more resilient in tough times. Losses, on the other hand, reduce a credit union's ability to do those things.
UNITED 1ST scored 4 out of a possible 30 on Bankrate's test of earnings, lower than the national average of 10.11.
One indication that UNITED 1ST is running ahead of its peers in this area was its earnings ratio of 0.00 percent in our test, higher than the average for all credit unions.