How successful a credit union is at earning money has an effect on its long-term survivability. A credit union can retain its earnings, expanding its capital buffer, or put them to work addressing problematic loans, potentially making the credit union more resilient in tough times. Conversely, losses take away from a credit union's ability to do those things.
ALBA-GOLDEN fell behind the national average on Bankrate's earnings test, achieving a score of 4 out of a possible 30.
The credit union had an earnings ratio of 2.00 percent in our test, above the average for all credit unions, suggesting that it's outperforming its peers in this area.