A credit union's profitability has an effect on its long-term survivability. A credit union can retain its earnings, boosting its capital cushion, or put them to work addressing problematic loans, potentially making the credit union better prepared to withstand economic trouble. Credit unions that are losing money, however, have less ability to do those things.
On Bankrate's earnings test, AIR ACADEMY scored 14 out of a possible 30, beating out the national average of 10.31.
One sign that the credit union is running ahead of its peers in this area was its earnings ratio of 7.00 percent in our test, better than the average for all credit unions.