How successful a credit union is at earning money has an effect on its long-term survivability. Earnings can 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. Credit unions that are losing money, however, are less able to do those things.
On Bankrate's earnings test, ABCO scored 0 out of a possible 30, failing to reach the national average of 10.31.
ABCO had an earnings ratio of -3.00 percent in our test, below the average for all credit unions, suggesting that it's lagging behind its peers in this area.