A credit union's profitability affects its long-term survivability. A credit union can retain its earnings, increasing its capital buffer, or put them to work addressing problematic loans, likely making the credit union better able to withstand financial trouble. Credit unions that are losing money, however, are less able to do those things.
On Bankrate's test of earnings, UNIVERSITY FIRST scored 18 out of a possible 30, exceeding the national average of 10.11.
UNIVERSITY FIRST had an earnings ratio of 0.00 percent in our test, higher than the average for all credit unions, suggesting that it's running ahead of its peers in this area.